Hurricane Damage to your Roof . . .?



As we all know, Florida residents have suffered wind damage to their
roofs due to Hurricane Wilma. Usually, the insurance adjuster is the
first one to scope the damage and provide the insured with an estimate
for repairs or replacement of their roofs. After the insured receives
their settlement, a roofer or contractor is contracted to inspect the
roof and provide their estimate or bid. Sometimes, the amount of the
settlement from the insurance company is not enough for the repairs or
replacement. The following are some reasons why the insurance company
might not be paying for complete replacement of roofs.

25% Ordnance

In the State of Florida, ordnance has been pass stating that if 25%, or
more, of the roof has been damage due to a covered ?peril? (wind, fire,
explosion, etc), the roof will need to be replaced. If a homeowner has
a home owner policy (Such as a HO-3 Special Form) that allows for
ordnance and code upgrades, the insurance company will most likely pay
to have the roof replaced at a fair and reasonable price. However, if
a homeowner?s policy sates that ordnance and code are ?excluded? under
their homeowner?s policy, the insurance company is only responsible for
the ?actual? damages to the roof.



Example: If you suffered wind damage to only 30% of your roof, then the
insurance company is only responsible for 30% of the roof repairs. Now
.. . . I know that you all are going to say ? The roofing company will
not repair the roof unless they can replace the entire roof, so that it
can be guarantee not to leak?! This is true, however, lets look at the
reason why roofing companies make this statement. If an insured has
30% wind damage to their roof and the other 70% of the roof is ?worn?
due to wear and tear, then ?YES?, the roofing company is indeed correct
in stating that the entire roof will need to be replaced. The problem
that most homeowner?s do not understand is that all homeowner polices
?exclude? coverage to any property items that suffered wear and tear.
So . . . , if you have a worn roof that suffered only minimal damage,
the insurance company will only pay for minimal damage! The worn
portion of your roof will need to be paid for by the homeowner!

Example: Your automobile tires become bald due to wear and tear. Do
you (A) contact the insurance company to place a claim to have the
tires replaced, or (B) go to a tire store to have the tires replaced?
Of course you go to the tire store to have the tires replaced because
the damage is due to wear and tear!

Prices at the time of this article should be $350.00-$375.00 a square
for replacement of shingles and felt, for a roof. Replacement for clay
and concrete tiles are $800.00-$1,000.00 a square! Please be aware of
roofing companies who sub contract their work because you will have a
difficult time if you need the workers to come back to your home to
correct poor installation problems concerning your roof!

Remember, when the roofing company completes the inspection of your
roof, ask him or her how much of the damage was due to wind or any
covered peril. Understanding what your homeowner?s property policy
covers, will make your settlement with the insurance company a whole
lot easier!

The Field Adjuster Guy
http://www.geocities.com/emos1234/great_outdoors.html

MoseMan quoted:

The Field Adjuster Guy
http://www.geocities.com/emos1234/great_outdoors.html

A badly written page. What is a square?

Few homes come directly under the eye of a storm. What happens is that
an hurricane is still a wide storm after broaching and even a few miles
inland is quite a breeze.

Tiles on the lea side of a roof (opposite the side facing the wind) are
lifted anf flap in the "wing aerofoil effect". Such damage is
particularly likely at the top of the roof just under the ridge. With
the aerofoil effect, loose tiles liftcrack and leave, then with an hole
in the roof the real damage starts.

If your roof is not nailed down securely, then you are at risk. Such
building practices are endemic even in a heavily regulated region such
as the UK where council planning controls and building inspections are
(so I have been lead to believe) draconian compared to US local
planning laws.

I have seen plenty of new homes going up with the wrong nails and never
enough of the right ones, if they are used in the trusses. And then it
is standard practice to nail down only every 4th course of tiles where
clay tiles are used.

Clay tiles have a couple of nibs on the top underside, allowing them to
grip the baton on which they are laid, (slates have to be nailed at
each tile as they have no such tongues.)

If the roofer is not watched carefully, all his short cuts will be
quickly covered by the felt of vapour barrier laid under the tiles. The
neglect can not be spotted from inside the roof when that happens. It
might be possible to see that the trusses have not been correctly
nailed though.

Pre-formed trusses come with a pair of shoes or brackets with a bag of
special nails that suit the shoes. They have a spiral twisted in them
and are very fiddly to use as they are larger than the holes drilled
for them in the shoes.

I have no idea what the building regulations are in Florida but that's
the latest as far as I know anything about them in the UK. There is
more in English on this page:
http://www.diydoctor.org.uk/projects/roof_trusses.htm no doubt your
location will turn up something similar.

There doesn't seem to be all that much that the average householder,
tenant or landlord can do to inspect their property does there?

I looked up Google Images for a picture of a shoe but they were ALL
oriented to show them in the wrong position. Although I have to admit
as a technical drawing it is the angel that shows the product off to
the best detail.

Weatherlawyer wrote:
MoseMan quoted:

The Field Adjuster Guy
http://www.geocities.com/emos1234/great_outdoors.html

A badly written page. What is a square?

Few homes come directly under the eye of a storm. What happens is that
an hurricane is still a wide storm after broaching and even a few miles
inland is quite a breeze.

Tiles on the lea side of a roof (opposite the side facing the wind) are
lifted anf flap in the "wing aerofoil effect". Such damage is
particularly likely at the top of the roof just under the ridge. With
the aerofoil effect, loose tiles liftcrack and leave, then with an hole
in the roof the real damage starts.

If your roof is not nailed down securely, then you are at risk. Such
building practices are endemic even in a heavily regulated region such
as the UK where council planning controls and building inspections are
(so I have been lead to believe) draconian compared to US local
planning laws.

I have seen plenty of new homes going up with the wrong nails and never
enough of the right ones, if they are used in the trusses. And then it
is standard practice to nail down only every 4th course of tiles where
clay tiles are used.

Clay tiles have a couple of nibs on the top underside, allowing them to
grip the baton on which they are laid, (slates have to be nailed at
each tile as they have no such tongues.)

If the roofer is not watched carefully, all his short cuts will be
quickly covered by the felt of vapour barrier laid under the tiles. The
neglect can not be spotted from inside the roof when that happens. It
might be possible to see that the trusses have not been correctly
nailed though.

Pre-formed trusses come with a pair of shoes or brackets with a bag of
special nails that suit the shoes. They have a spiral twisted in them
and are very fiddly to use as they are larger than the holes drilled
for them in the shoes.

I have no idea what the building regulations are in Florida but that's
the latest as far as I know anything about them in the UK. There is
more in English on this page:
http://www.diydoctor.org.uk/projects/roof_trusses.htm no doubt your
location will turn up something similar.

There doesn't seem to be all that much that the average householder,
tenant or landlord can do to inspect their property does there?

I looked up Google Images for a picture of a shoe but they were ALL
oriented to show them in the wrong position. Although I have to admit
as a technical drawing it is the angel that shows the product off to
the best detail.

is this really a significant problem in the uk?


NT