Allen -
I asked you before - are you in the property or insurance businesses?
Apparently YOU don't want to give the full story.
No permits?
A weekend job?
Inexperienced roofers?
None of the above, Allen. NOT APPLICABLE
AGAIN - I'm asking what the average prudent person expects from both
the homeowners policy and the roofer's policy. Not for advice on what
I should do.
I realize I've probably given the critics on this board too tempting
an opportunity.
Maureen
--- In AsburyPark@yahoogroups.com, Allan Peterson <[EMAIL PROTECTED]>
wrote:
>
> What would I expect? If I hired a reputable company, paid for the
proper products however the workmanship was poor, I would expect that
company to stand behind their work. In other words, I would expect
what I paid for. I would not expect my homeowner¢s policy to pick up
the bill, especially if an inexperienced contractor was hired.
Probably not the answer you are looking for but the insurance company
can¢t be held responsible for who you hire to work on your home.
Imagine what the rates would be if this was the case? It is up to
the homeowner to do their due diligence and to follow the proper
protocol (building permit, check references etc). You have left out
details from your posts here and on your website which could easily
lead one to believe you are a victim first from the roofer and now
the insurance company which could be the case if the proper protocol
was taken. I have seen this story often where the contractor is paid
cash, comes on the weekend to do the
> work, no permits and now there is an issue. For those cases, the
homeowner has to take the responsibility.
>
>
>
> ----- Original Message ----
> From: radio881gal <[EMAIL PROTECTED]>
> To: AsburyPark@yahoogroups.com
> Sent: Monday, July 16, 2007 6:14:59 PM
> Subject: [AsburyPark] Re: Roof Question
>
> Allen -
> I think you're honestly trying to help.
> But if you see my question to the group, it is not about recourse.
> I'm asking what the average prudent person would expect their
options
> to be in the event of a failed roof job.
> That is what I'm asking.
> Thank you for your suggestions. I am aware of those alternatives. I
> realize that you are not aware of the details of my particular
> situation. And, since it is irrelevant to my initial question, I
> won't go into the reasons why those options are not helpful in this
> case.
> I'm going to try to post the policy language on this board, so that
> other everyday homeowners can see how the policy is written to
> exclude anything and everything from the insurer's liability.
> Both my policy and the contractor's policy deny payment for bad
> workmanship. If enough consumers balk at this it can change.
> As for the interior damage, caused by a bad roof, being covered; My
> insurer's adjuster just left after telling me that every place
where
> the rain may have entered my house and damaged my interior affords
> the insurance company the opportunity to assign another $1,000
> deductible charge, which would come off the monies they would
> reimburse me for interior repairs. At this rate I think I may owe
the
> insurance company several thousand dollars.
> Am I to assume that out of all the people out there with new roofs
> none are concerned about this uninsured risk?
> There's better insurance available for financial derivative risk -
> and those are people want to take risk.
> Maureen
>
> --- In [EMAIL PROTECTED] ups.com, Allan Peterson
<nnjallans1@ ...>
> wrote:
> >
> > In my post I explained what the insurance was for. Therefore I
> would not expect this insurance policy to cover workmanship. As far
> as recourse, you could check with the manufacturer of the roof to
be
> certain the product did not fail. Or if you can gather proof that
> the roof was installed incorrectly you could take the contractor to
> small claims court.
> >
> >
> > ----- Original Message ----
> > From: "restore881FM@ ..." <restore881FM@ ...>
> > To: [EMAIL PROTECTED] ups.com
> > Sent: Monday, July 16, 2007 2:14:29 PM
> > Subject: [AsburyPark] Re: Roof Question
> >
> > Allen -
> > Please note my question to the group. What would the 'prudent
man'
> expect the policy to cover? How would this man expect to gain
> recourse if the roof - agreed to by the group so far to be one the
> most expensive repairs a homeowner makes - fails.
> > Are you in the property or insurance business, Allen?
> > Maureen
> >
> >
> > Maureen Nevin
> > Asbury Radio -"The Radio Voice of Asbury Park"
> > 88.1FM - "6" Years on the Air!!
> > Asbury's Own Live Talk Showmailto:AsburyRa dio@ aol.com
> > 601 Bangs Avenue
> > Listen 8 - 10 PM Thursdays on 88.1FM or
> > Listen Live or Later on the Web http://www.asburyra dio.com/
> > Call the show 732-775-0821
> > Call me 732-774-0779 fax 502-0463
> > Speak up - It's America!!
> >
> >
> >
> >
> >
> >
> > Get a sneak peak of the all-new AOL.com.
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>
>
>
>
>
>
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