Yeah, I can’t see that being an issue. Metal roofs are common here and are pretty much rated for 50-100 years. A metal roof will make for a pretty substantial discount on homeowner’s insurance here, too.
-D > On Aug 22, 2020, at 4:34 PM, OK Don via Mercedes <mercedes@okiebenz.com> > wrote: > > The little rubber seals are covered by metal washers now - at least mine > are. I'm sure the quality varies by manufacturer and installer. Ours has > been on seven years now and no issues. > > On Sat, Aug 22, 2020 at 3:31 PM Kaleb Striplin via Mercedes < > mercedes@okiebenz.com> wrote: > >> I have thought about putting a metal roof on the house. Somebody told me >> that the sun dries out the little rubber seals on the screws and they leak >> after a while and you don’t even know it. >> >> Sent from my iPhone >> >>> On Aug 22, 2020, at 3:22 PM, OK Don via Mercedes <mercedes@okiebenz.com> >> wrote: >>> >>> Our homeowner's insurance includes the house, detached garage, well >> house, >>> guest house (was a shop), and hangar. When I called to report a roof leak >>> that was staining the ceiling in the bedroom a couple of months after a >>> hailstorm, State Farm sent an appraiser who inspected everything, all the >>> roofs. He determined that the house roof was OK, the leak was from an >>> poorly sealed standpipe, but did find that all the other roofs had hail >>> damage, so paid to replace them all. That included the 2000 sq. ft. >> hangar >>> with foam sprayed on the underside of the roof. By spraying the outside >> of >>> the hangar roof with foam and latex paint of some sort, we had enough >> money >>> left over to re-roof the house. All the roofs are now metal - which >> reduced >>> our premium some 20% or so (I don't remember exactly, it might have been >>> more. >>> >>>> On Sat, Aug 22, 2020 at 12:35 PM Dan Penoff via Mercedes < >>>> mercedes@okiebenz.com> wrote: >>>> >>>> I suspect they’re looking at your county appraiser’s records to get >> things >>>> like age, square footage, etc. It’s entirely possible they’re including >> the >>>> cost of your outbuilding, too. That or there could be mistakes in your >>>> property appraiser’s records - always good to check every year or two. >>>> >>>> I say that from experience, as the house we built in Wisconsin had a >> room >>>> added to it by a third party appraiser the city hired when we had a >>>> reassessment. He didn’t do a physical inspection, he just did a “drive >> by”. >>>> We challenged this and found that he had boogered up so many other >> people’s >>>> appraisals that the city ended up firing him and hiring a new company >> that >>>> did it right. >>>> >>>> -D >>>> >>>>> On Aug 22, 2020, at 1:23 PM, Kaleb Striplin via Mercedes < >>>> mercedes@okiebenz.com> wrote: >>>>> >>>>> No they don’t care as long as they get paid off. These insurance >>>> companies plug in some sort of number they claim is the cost to rebuilt >> the >>>> house based one some sort of calculation they come up with. >>>>> >>>>> Sent from my iPhone >>>>> >>>>>> On Aug 22, 2020, at 11:27 AM, Craig via Mercedes < >> mercedes@okiebenz.com> >>>> wrote: >>>>>> >>>>>> On Fri, 21 Aug 2020 22:12:58 -0500 Kaleb Striplin via Mercedes >>>>>> <mercedes@okiebenz.com> wrote: >>>>>> >>>>>>> I ran a couple of online quotes and cheapest I came up with so far >> was >>>>>>> Liberty Mutual. It was around $600-$1k cheaper depending on >>>>>>> deductible. I have not tried State Farm yet. The problem is USAA >> and >>>>>>> all these others put a rebuild value WAY higher than what we paid and >>>>>>> what I figure the actual house is worth/would actually cost to >> replace. >>>>>> >>>>>> Can you not say, "This is what I want to insure my house for?" Or is >> the >>>>>> one who funded your mortgage requiring the higher value? >>>>>> >>>>>> >>>>>> Craig >>>>>> >>>>>> _______________________________________ >>>>>> http://www.okiebenz.com >>>>>> >>>>>> To search list archives http://www.okiebenz.com/archive/ >>>>>> >>>>>> To Unsubscribe or change delivery options go to: >>>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>>> >>>>> >>>>> >>>>> _______________________________________ >>>>> http://www.okiebenz.com >>>>> >>>>> To search list archives http://www.okiebenz.com/archive/ >>>>> >>>>> To Unsubscribe or change delivery options go to: >>>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>>> >>>> >>>> >>>> _______________________________________ >>>> http://www.okiebenz.com >>>> >>>> To search list archives http://www.okiebenz.com/archive/ >>>> >>>> To Unsubscribe or change delivery options go to: >>>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>>> >>>> >>> >>> -- >>> OK Don >>> >>> "Whenever you find yourself on the side of the majority, it is time to >>> pause and reflect." Mark Twain >>> >>> “Basic research is what I’m doing when I don’t know what I am doing.” >> Wernher >>> Von Braun >>> 2013 F150, 18 mpg >>> 2017 Subaru Legacy, 30 mpg >>> 1957 C182A, 12 mpg - but at 150 mph! >>> _______________________________________ >>> http://www.okiebenz.com >>> >>> To search list archives http://www.okiebenz.com/archive/ >>> >>> To Unsubscribe or change delivery options go to: >>> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >>> >> >> >> _______________________________________ >> http://www.okiebenz.com >> >> To search list archives http://www.okiebenz.com/archive/ >> >> To Unsubscribe or change delivery options go to: >> http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com >> >> > > -- > OK Don > > "Whenever you find yourself on the side of the majority, it is time to > pause and reflect." Mark Twain > > “Basic research is what I’m doing when I don’t know what I am doing.” Wernher > Von Braun > 2013 F150, 18 mpg > 2017 Subaru Legacy, 30 mpg > 1957 C182A, 12 mpg - but at 150 mph! > _______________________________________ > http://www.okiebenz.com > > To search list archives http://www.okiebenz.com/archive/ > > To Unsubscribe or change delivery options go to: > http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com > _______________________________________ http://www.okiebenz.com To search list archives http://www.okiebenz.com/archive/ To Unsubscribe or change delivery options go to: http://mail.okiebenz.com/mailman/listinfo/mercedes_okiebenz.com
