Aren't metal roofs,noisy? We don't see them on houses here on New England. Only garages.
Dwight Giles Jr. Wickford RI On Sat, Aug 22, 2020, 9:27 PM Allan Streib via Mercedes < mercedes@okiebenz.com> wrote: > How do you like the metal roofs? > > I have been thinking about doing that when my asphalt shingle roof needs > replacing (soon, it's 22 years old, and I've already had to patch a leak > around a skylight in the living room). But some of the installations > I've seen look cheap and "industrial" for want of a better word. > > My other thought has been composite tiles that look like spanish tile. I > really like that look but the cost of real tile is quite a lot and I'm > not sure if a normal truss roof would take the weight if it wasn't built > for that originally. > > Allan > > > OK Don via Mercedes <mercedes@okiebenz.com> writes: > > > 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 > > > > -- > Allan Streib > Indiana University > Luddy School of Informatics, Computing, and Engineering > Digital Science Center | Intelligent Systems Engineering | FutureSystems > > _______________________________________ > 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
