New roof dilema and home insurance prices
- Thread starter Schmoe
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One interesting statement from the roofer that replaced my roof is that the class iv is not as resilient as he thinks.
Actually, the class iv has more damage in the big hail storm last year in DFW.
I ended up using GAF Timberline, since the roofer is GAF certified so the warranty is updated to Lifetime.
This does not cover the Hail storm or anything like that.
Actually, the class iv has more damage in the big hail storm last year in DFW.
I ended up using GAF Timberline, since the roofer is GAF certified so the warranty is updated to Lifetime.
This does not cover the Hail storm or anything like that.
I had the same dilemma except I was paying out of my pocket. I went with the class 4 shingle. Went with the Certainteed Northgate. Around here I would say the roofers use 50% OC Duration, 30% GAF and 20% other.
I figured if the class 4 shingles save me from having to submit a home insurance claim in the 3-4 years it takes for an ROI, it was worth it to me. Didn't care about the warranty, I won't be in this house in 5 years. Those house insurance claims still with you for a while.
I figured if the class 4 shingles save me from having to submit a home insurance claim in the 3-4 years it takes for an ROI, it was worth it to me. Didn't care about the warranty, I won't be in this house in 5 years. Those house insurance claims still with you for a while.
An insurance company is paid to make you whole if you experience a loss. They often try to manipulative tactics and the insured should know the coverage.
If you install longer lasting roof materials, it's documented and the insurance company knows about it, then those materials are covered.
As a general rule, higher end roofing is nearly always a good choice.
If you install longer lasting roof materials, it's documented and the insurance company knows about it, then those materials are covered.
As a general rule, higher end roofing is nearly always a good choice.
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Don't use tarpaper underneath the shingles, use GAF DeckArmor...
http://www.gaf.com/roofing/residential/products/roof_deck_protection/deck_armor
3 square tarpaper was $30, 10 square DeckArmor was $100...
My cats have been using the remains of the roll as a scratching post for over a year, still not torn it up...
http://www.gaf.com/roofing/residential/products/roof_deck_protection/deck_armor
3 square tarpaper was $30, 10 square DeckArmor was $100...
My cats have been using the remains of the roll as a scratching post for over a year, still not torn it up...
2400 is 2x what I pay. Are you in tornado alley? And I think the standard liability is 1 million.
Originally Posted By: Panzerman
I get free sinkhole coverage which assures me it will never be a issue.
That's one type of coverage that is good to have, but hope you never use.
I mean if that came to pass you'd basically have to move somewhere else, right?
I get free sinkhole coverage which assures me it will never be a issue.
That's one type of coverage that is good to have, but hope you never use.
I mean if that came to pass you'd basically have to move somewhere else, right?
Originally Posted By: turtlevette
2400 is 2x what I pay. Are you in tornado alley? And I think the standard liability is 1 million.
Location is Central Oklahoma...aka Central Tornado Alley.
2400 is 2x what I pay. Are you in tornado alley? And I think the standard liability is 1 million.
Location is Central Oklahoma...aka Central Tornado Alley.
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