HAIL

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Yesterday was a day filled with mixed emotions. It reminded me of an old Ethel Merman song “Everything’s coming up roses.” The song is a pretty disturbing song about a man who’d obviously erred in a lot of regards. It is a sad song really, but the line I remembered was:
“Everything’s coming up roses

The house, the car

The kids and all the cash

Everything’s coming up roses

And I’ll be lucky

If I keep the shirt that’s on my back”

 

The stresses in my life had nothing to do with my marriage falling apart, but to be perfectly honest yesterday morning’s isolated experience related to the roof on my house falling apart. A year ago a roofing contractor examined our roof and predicted it was time for a new roof. He strongly suggested I file a claim with my insurance company. He said: “You’ve got hail damage.”

 

The insurance adjuster came out and concurred that we probably were getting close to needing a new roof but found little evidence that it was hail related. Of course all of the soft metal on the top of our house was beaten into oblivion, that could be replaced based on hail, but the roof was just old. Our “thirty-year shingles” had been in the sun too long and were just wearing out in half of the expected time.

 

I obviously must look like I fell off of a turnip truck. Help me understand the concept of a roof being in the sun too long. Aren’t all roofs in the sun? No one builds their home totally in the shade. The only thing shady was the claim adjuster’s explanation.

 

To make the issue even more disturbing, according to the claim adjuster, a person only has a year following the hail damage to file a claim. This looked like old damage. Okay, in remembering back, this was the second time an adjuster from the insurance company had inspected our roof. There had been another time our roof needed to be patched because it was leaking. Of course, the damage then reportedly wasn’t related to hail. Despite the fact that all three air conditioning units looked badly beaten from hail. He explained that damage away as being the result of a weed eater. Yet the damage covered the totality of the units.

 

Maybe I did fall off of a turnip truck. That explanation made no sense at the time and yet, I didn’t push back. I let things roll where they went. I paid for the repairs out-of-pocket oblivious to the fact that the roof on our home was compromised.

 

Three weeks ago, a roofer who came highly recommended came out to provide me an estimate. He was a really pleasant individual and looked at the roof saying, “This isn’t a complicated project. The roof’s a little steep, but we have the skill to handle the work. I’ll get you a bid in a couple of days”. A week and a half later I called him. He was in College Station looking at potential work projects. He apologized for the delay and said, I’ll get a bid to you. It has now been three weeks. I’ve left two voice messages and one text expressing my desire to receive a bid. I really want to get a new roof. The roofer has not responded to my phone calls or text message.

 

Yesterday morning I had another roofing company come to provide a bid. The man wasn’t on the house over fifteen seconds before he asked for my phone. He wanted to make pictures of apparent hail related damage. He said, “You need to go back to your insurance company. You’re roof is badly beaten by hail.” I countered, that may be so, but the insurance company told me a claim must be filed within 12 months of the damage in order for it to be covered”.

 

Okay, so he subsequently made a good point. The same insurance company has perpetually covered my home. Why wouldn’t the damage be covered regardless of the timeline in which it occurred?

 

Thoughtfully, the roofing company ordered a “storm hail inspection report” for my area for the past seven years. It reflects ¾ inch hail on four different occasions. In addition, he took pictures of the hail damage on my home for me to show to my insurance agent.

 

I received that report. This morning I received an actually bid for two different roofs. One of the estimates is to replace the composition roof with exactly the same materials. Actually, I was hoping to go with a metal roof the next time around.

 

Drum roll – the cost to replace our roof with identical material is $25,468. In order to cover the roof with metal, we can anticipate $55,209. Can those costs really be accurate? Thereby lies the line: “I’ll really be lucky to keep the shirt on my back.”

 

All My Best!

Don

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