Around this time of year in 2011 a hail storm hit the neighborhood. In the aftermath of that storm, every roofer from around the region was headed to Johnson County for the work.
It makes sense. As Sam Kinison used to say, “Go where the food is!” I had dutifully contacted my insurance agent about my damaged roof and kicked off the process of getting several quotes for a replacement.
I presented the claims adjuster at least three quotes that showed I needed a new roof. The insurance adjuster disagreed, declaring I only needed half a new roof and some repairs to the other half.
Half of a roof? I get it — roofers want to replace the whole roof and insurance companies want to replace one shingle. But half a roof?
Now, I am not a roofing expert. And even if you took me up there to show it to me, I doubt I would be able to tell a good one from a bad one. But, I held in my hand three estimates from people who were roofing experts, and they said I needed a new roof.
Meanwhile, I watched as neighbors up and down my street were getting brand new rooftops. Whole ones, not just half.
After months of “conversations” with my insurance adjuster, the amount the insurance company wanted to settle on was closer to single shingles than a new roof. In fact, the amount wasn’t even enough to get half a roof completed by a reputable roofer.
So I reluctantly agreed to let “their” roofing company handle it so the job would be complete, and all I owed was the deductible. I wasn’t happy, but the five-year guarantee the company offered was at least some comfort.
It was November by the time things were complete. If I wasn’t happy then, you can imagine my reaction as I opened a form letter this February stating that the company was canceling my insurance effective April 4.
The reason? Get this: The roof. Not “we noticed your roof is showing signs of wear. Please have it repaired.”
Nope. Just we’re canceling your insurance because ofThe Roof.
I nearly went through the… well, you know.
A call to my agent, who called the underwriter, who called the agent, who called me back said, “I guess you need to replaceThe Roof.
And what about the five-year guarantee? “That doesn’t cover partial roofs.”
To appease me, they sent a roofer and an adjuster whose badge bore the company name. I was delighted to hear, “Well, half your roof is new and the other half has a good five to 10 years left.”
I had to ask, “Are you aware that your company says I need a new roof?”
Surprised, she apologized and called the underwriters directly.
Their response remained unchanged. My agent, who claimed to be as frustrated as I was, directed me to take it “higher up” to someone who could help.
To make a long story short, I was again told that the roof needed to be replaced despite what any roofer or adjuster was saying. Taking it “higher up” brings to mind an entirely different picture now.
Ultimately I decided on a replacement but not for my roof — for my insurance company.
I found a new insurance agent in my neighborhood quickly able to step in. She advised me on some of the options, which included making repairs to the current roof.
She came to my house to go over the policy quote in detail. Considering I had never even met my current agent, this was already an improvement.
It turned out pulling my home and auto insurance from my current insurer ended up saving me hundreds of dollars on my premium. Best of all, this company won’t put on half a roof.
It’s against the company’s policy.