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Tree Top Fell on House

Old 08-29-2011, 05:02 PM
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Default Tree Top Fell on House

The top of one of my tall oaks let go and fell on my garage/laundry room roof, puncturing it in three places. Not good but luckily no one was hurt. Luckily my insurance company informed me that the hurricane deductible (5% of insured value) is NOT in effect, standard deductible is.

Could have been a lot worse, thank God.

Now time to deal with the insurance company



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Old 08-29-2011, 06:25 PM
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Any advise dealing with my insurance company?

I've never had a claim in 20 years of home ownership
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Old 08-29-2011, 07:41 PM
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The adjuster should do an est. and cut you a check for actual cash value. Then the contractor works from there and if they find any more damage they can file for the additional damage. When its done the insurance company will send the balance. Its not as hard as some make it out to be.
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Old 08-30-2011, 06:41 AM
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Gustav took the roof off in 08, more problem getting the adjuster out, than getting the insurance company to pay.

Gustav hit on Labor Day and 2 or 3 weeks later Ike hit the Texas coast, so the insurance adjusters were swamped with work. Gustav hit on a Monday, I had a roofing contractor lined up and scheduled to replace my roof the very next Monday. Roofing contractor gave me an estimate then told me to call him when I got the insurance check. I told him bologna, whatever the insurance company paid for or didn't pay for I still needed a roof. Told him to get on with it. I purchased material out of my pocket and paid the roofer out of my pocket. The insurance adjuster showed up 2 weeks after the roof was replaced, gave him a computer disk, containing a video and stills, along with the roofer's comments regarding damage. Insurance company sent me a check 3 days later. They waved the 5% hurricane deductible, can't remember exact figures but the insurance company paid about $5500 towards the $6500 cost of the roof.
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Old 08-30-2011, 07:14 AM
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Hire your own adjuster and compare with what the carrier is offering you. Could be a big difference.
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Old 08-30-2011, 09:33 AM
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Originally Posted by BSpot View Post
Hire your own adjuster and compare with what the carrier is offering you. Could be a big difference.
definitely do this.
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Old 08-30-2011, 09:35 AM
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Originally Posted by BSpot View Post
Hire your own adjuster and compare with what the carrier is offering you. Could be a big difference.
Where would I find an independent adjuster?
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Old 08-30-2011, 10:17 AM
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google topic for your area. independent insurance adjuster near "hometown CT".
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Old 08-30-2011, 10:50 AM
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Originally Posted by BSpot View Post
Hire your own adjuster and compare with what the carrier is offering you. Could be a big difference.
Waist of money. What will the hired adjuster find that a contractor cannot?
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Old 08-31-2011, 05:46 AM
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Before hiring my own adjuster, I'd wait and see what the insurance company is going to offer. Only if their is an obvious error in the adjuster's estimate, would I hire my own adjuster. You may be suprised just how easy the insurance compnay makes it.
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Old 08-31-2011, 05:50 AM
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Public adjuster? I'd retain an attorney.
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Old 08-31-2011, 07:07 AM
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Originally Posted by fishingfun View Post
Waist of money. What will the hired adjuster find that a contractor cannot?
Ding ding ding we have a winner.

Hire a contractor who has previous dealing with your insurance co.
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Old 09-01-2011, 06:19 AM
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Do not settle right away! We had an oak fall on our house in '99 during a hurricane. Much of the real damage doesn't show for years. I would have a structural engineer examine the house. I wish I had. The settlement which seemed more than adequate at the time is long gone but more stuff keeps showing up due to structural damage to rafters and foundation that we had no way of knowing at the time.
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Old 09-01-2011, 06:33 AM
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Originally Posted by hblac View Post
Do not settle right away! We had an oak fall on our house in '99 during a hurricane. Much of the real damage doesn't show for years. I would have a structural engineer examine the house. I wish I had. The settlement which seemed more than adequate at the time is long gone but more stuff keeps showing up due to structural damage to rafters and foundation that we had no way of knowing at the time.

Good advice! I'll keep it in mind as go through the process. I hadn't given much thought to structural issue, I did notice shattered plywood and at least on cracked joist.

One of my concerns is the insurance company is only going to pay for repairs to the existing 10 year old roof (30 year quality shingles) and that the new shingles will not match. Visually this will be ugly!
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Old 09-01-2011, 06:34 AM
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Originally Posted by twentynine View Post
Before hiring my own adjuster, I'd wait and see what the insurance company is going to offer. Only if their is an obvious error in the adjuster's estimate, would I hire my own adjuster. You may be suprised just how easy the insurance compnay makes it.
Trust me, several of my clients are adjusters and they will bend over backwards to help most people but if you piss them off up front they can be hard to deal with. No different than you doing your job and someone that does not do your job second guessing everything you do

I agree, we had hail wind damage to our roof and after adjuster cut check and I paid roofer we had almost $2k left over. Couple things I could have nit picked him on but not worth time and effort
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