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Can your Minnesota homeowners insurance company tell you to re shingle your house or they will drop you if you have not made a claim on the roof and you have had the same insurance for over 5 yrs?
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∙ 10y ago
Yes, failure to properly maintain ones home could represent a moral hazard
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∙ 10y ago
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Will homeowners insurance pay for your roof replacement?
It really depends on several factors such as the language of your Homeowners Insurance Policy, The condition of your roof but primarily, whether you have replacement valuation on your homeowners insurance policy. If your wanting your roof replaced simply because it is worn out then there is no policy that will cover it as that is just a normal and expected part of home ownership. Composition (Shingle) roofs need to be replaced about every 20 years or so. If your roof is severely damaged and a total loss due to a covered peril such as wind or hail damage, with replacement valuation coverage on your policy and the roof is beyond repair, then you should have no problem getting it covered for replacement by your insurer.
Save on Maintenance with a Metal Roof?
Many homeowners with traditional shingle roofs are discovering the hidden costs of shingles. Shingle roofs can leak, raise insurance premiums, and cost thousands of dollars to repair. Installing a new shingle roof can be time-consuming and expensive, sometimes taking weeks. A metal or tin roof offers a durable and affordable alternative. Metal roofs come in large sheets for easy and fast installation, do not leak or need maintenance, and are lightweight. Housing structures have to be built specifically for traditional shingle roofs due to the high weight. Metal roofs do not require additional support, and can be installed by as few as 2 people.
Is the cost of insurance different for metal or shingle roofing?
Probably not. Many factors are considered by underwriters of insurance companies in determining if a risk will be insured and how much the premium will be. //
Has American shingle gone bankrupt?
Their reply to me was "We are no longer working in your area and your money will be refunded to you." Two years later, no refund and all phone numbers are not working.My advice to you is not to deal with this company at all. They are in the deception business and not the shingle business. Check with your insurance company and see what their reputation is with them first. Ask for local houses that they have done and if they can't give you any, it's a sign that they are not a valid company.My other advice to you is:Do not give them (or any other contractor who is working through a two-check paying ststem with your insurance company) your first check from the insurance company unless you have all of the supplies required for the job delivered first to your property.If they of anyone else tries to remove the above said materials, call the local law enforcement and tell them that a theft of your property is occuring.Do not give them the last check until the job is inspected by your insurance company and is done to yoursatisfaction and cleaned up properly.
What do Ohio laws say about insurance company replacing roof with matching shingles?
Ohio law states that when replacing the roof with matching shingles, that there is a reasonable effort that all shingles match. This means that if a shingle that is not exact, needs to be as close as possible.
Will homeowners insurance cover roof replacement?
It depends on why your roof needs replacement. Bear in mind that your property insurance policy is "Hazard and Accident Insurance", and not a home warranty or home maintenance policy.If your roof was damaged by a covered peril such as wind, hail, lightning, etc, Then your homeowners insurance would cover the cost of repair subject to your deductible of the damaged portion. It would only replace the entire roof if your policy has replacement valuation and the roof was damaged beyond the ability to repair it.If your roof is just old and has reached it's life expectancy then it is not covered under your homeowners insurance policy. That would be a normal expected maintenance expense incidental to home ownership. Composition shingle roofs for example have a rated life expectancy of about 20 to 25 years. After the roof has reached it's life expectancy it is considered to have depreciated to zero value and therefore non-insurable.
Answers to shingle applicator's manual?
what are the answers to the shingle applicators manual tenth edition
Is it easy for a homeowner to refasten a shingle?
Yes, it is easy for a homeowner to refasten a shingle. If you are in need of directions on how to do this, there are several books available on the subject, most of which can be easily found at your local library. If the library is not an option for you, there are also resources available online, such as http://www.raftertales.com/home-remodeling/how-to-inspect-and-maintain-a-roof-for-homeowners/ which gives a quick and easy explanation of the process.
When was Shingle urchin created?
Shingle urchin was created in 1758.
Does homeowners insurance cover contract laborers injured on ones property?
Let's face it, in today's "Sue happy climate" you can be sued for anything and lose. Yes to your question, however, you personally would not be responsible as the claims would be paid out of your homeowners liability coverage which does not count against you (altho you would be responsible for any shortfall). Would not it be prudent tho to hire a contractor that is properly insured and licensed? Regarding your home insurance, you should have no less than $500,000 liability coverage. I am hiring a contractor to re-shingle my home and he does not have workman's compensation for his employees. If an employee is injured on the property will I as the homeowner be responsible financially for the medical expenses and pain and suffering? Based on my understanding the California case, if the contractor is unlicensed. you can be liable. http://www.constructionweblinks.com/Resources/Industry_Reports__Newsletters/20080218/cali.html
Who does the best quality shingle roof?
Refer to Fastest Shingle Roofer answer
What is a good sentence for shingle?
Shingle is a woman's haircut that is close cropped.
