At Last, a Little Justice

Our home owner's insurance company finally came through regarding our roof. After I called to appeal their initial decision that their was no damage to the house, they sent the adjuster back out to our home. Thank goodness I was there this time. I showed him where it was leaking into our bedroom, and then he spent the next 20 minutes on our roof looking for what might be causing the leak. He finally found a small hole (a little smaller than a dime) in our roof.

He first thought it was a bullet hole. After telling him that no one was shooting at our house, he told me he finds bullet holes in people's roofs all the time, especially after July 4th or New Year's Day. He told me that some people just get trigger happy during these times and fire their guns into the air. They just don't realize that what goes up must come down somewhere, even if it is almost two-three miles away.

He then determined the hole was caused by a tree limb that fell from the oak tree that over hangs our home. He estimated the damage for a limb removal, (even though we had removed all limbs several weeks earlier), a roof patch repair and for some repair work for the inside of the home.

We should be getting an insurance check soon to fix the damage. He also told me that our roof, as a whole, can not be replaced yet; however, it is old enough to show any kind of severe wind or hail damage. He suggested the next hail storm that blows through to file another claim and if he is still working this area, he would "find" the hail damage and get our roof replaced. How nice!

I Hate My Home Owner Insurance Company

I really do! I just hate them. Shortly after I first started blogging we had several things go wrong with our home. (God is Renovating Our House) -- We had our AC/Heating Unit go out, we had a major leak in our roof, that caused ceiling damage to our kitchen (which has yet to be fully repaired) and just other general stuff. Both times we filed and insurance claim just to have it denied by our insurance company.

About a month ago we had a hail storm and some major wind. We once again called our insurance to file a claim to check for damage to our roof. After their inspection, they once again denied any claim for damages. The day we got the letter from the insurance company, it rained fairly heavy in our area, and another leak was discovered. This time the leak is directly over LadyBug's and My bed. The same brown spot that appeared on our kitchen ceiling is now forming over our bed. I called our insurance company back and told them, that it had rained plenty of times since the last time we had our roof fixed (at our own expense), and we never discovered a leak. But the first time it rained after the hail/wind storm our roof is now leaking. I told them there must be some damage to the roof. They are supposed to call me back again to discuss my options about filing an appeal to the recent denial of our claim of damage.

Why can't the insurance company just pony up the dough and pay to fix our roof. We have the coverage to do this. Over the years we have paid them well over the $4,000+ required to fix our roof. I just can't understand why an insurance company would be so willing to take your money, yet so stingy in using to fix a legitimate problem with our home. I just hate our home owners insurance company. We may have to switch companies!

Any suggestions on roofing a house for yourself? I know it takes time and a few good friends. But It can be done right?