Maureen, I have tried to answer your question however your limited view prevents this. I own a few properties however I don’t see what that has to do with anything nor am I trying to hide information. I was not giving you advice in the last post rather I was stating scenarios and what I would expect which was nothing from homeowners insurance. Your last line in your post I do not get. “ I realize I've probably given the critics on this board too tempting an opportunity.” I have not seen anything critical about your roof issue. People are just trying to help.
----- Original Message ---- From: radio881gal <[EMAIL PROTECTED]> To: AsburyPark@yahoogroups.com Sent: Tuesday, July 17, 2007 12:45:26 PM Subject: [AsburyPark] Re: Roof Question 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 [EMAIL PROTECTED] ups.com, Allan Peterson <nnjallans1@ ...> 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 <restore881FM@ ...> > To: [EMAIL PROTECTED] ups.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. > > > > > > > > > > > ____________ _________ _________ _________ _________ _________ _ > ____________ __ > > Sick sense of humor? Visit Yahoo! TV's > > Comedy with an Edge to see what's on, when. > > http://tv.yahoo. com/collections/ 222 > > > > > > > > > ____________ _________ _________ _________ _________ _________ _ ____________ __ > Yahoo! oneSearch: Finally, mobile search > that gives answers, not web links. > http://mobile. yahoo.com/ mobileweb/ onesearch? refer=1ONXIC > ____________________________________________________________________________________ Get your own web address. Have a HUGE year through Yahoo! Small Business. http://smallbusiness.yahoo.com/domains/?p=BESTDEAL
