Check you policy first. When we had hail here earlier in the year there were a lot of people that discovered their homeowners didn’t cover roofs as well as they thought they did. Several companies snuck changes into the deductible or the roof depreciation value during an insurance renewal.
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- Thread starter nfrine
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Check you policy first. When we had hail here earlier in the year there were a lot of people that discovered their homeowners didn’t cover roofs as well as they thought they did. Several companies snuck changes into the deductible or the roof depreciation value during an insurance renewal.
I first gotta ask, why are you mowing in a mud pit? Sounds like there would not be any grass in that location.
This has been happening all over the country, as insurance companies have been forced to pay out millions for hail damage on roofs and now they are fighting back to cut back on their loses. They love to take your payments, but just hate doling the money out to fix something wrong when it's needed and covered by the policy.
Insurance carriers will pay the losses.... then pass the cost down to the policy holders in the form of a rate increase. They have to in order to stay solvent as required by law. When they reduced the coverage (going ACV or Scheduled payments), it was designed to keep premiums lower overall. It pushes more of the risk onto the person who has a claim, but it helps keep the premiums lower.
If they kept on paying full replacement on all roofs regardless of age, the rates would be even higher than they are now. Not ideal, but it is what it is.
I first gotta ask, why are you mowing in a mud pit? Sounds like there would not be any grass in that location.
I should have done a before and after picture.
Essentially there is a earth damn between the upper pond and the lower pond. The upper pond is running over the damn and created a mini waterfall to the lower pond. I mow this earth damn and was just zooming through the "waterfall" because it didn't seem to bad. Then on a pass when zooming through it I sunk in like 6" and got stuck. Had to pull it out with my SUV.
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Can you let it grow for now to help soak up the excess as a quasi- wetland of sorts?
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Upper pond AND a lower pond? Damn, here I'm only rich enough for a porch mosquito bucket and a garden mosquito bucket.
Is it possible that this is an example of "Never drive through standing water" as advised by authorities during a flood event?
Some insurance companies in Florida and other places are just dropping out of the market. On roofs here in Iowa, after a hail storm the pattern 10 years ago was to pay for replacement, now they want to prorate what they owe on the age of the roof. Without a doubt the are going to get their money back one way or another. It why many suggest shopping around for home insurance every few years.
Feel free to come fish - bass, crappy and bluegill.
Since it's been raining do much and my races canceled I build a nice deck/dock for the lower pond.
If your roof is 15 years old, why should you get a brand new roof if it's damaged? You've used approximately 50% of it's useable life and companies are actually paying more than 50% of it's value in that scenario. You're still coming out ahead.
Insurance is not a substitute for home maintenance.
5 years from now, I don't think there will be any coverage on roofs at all for wind/hail.
Parts of western Iowa, me, have been on the short end of rainfall.
Just stating what they used to do, compared to what they are doing now. Do my premiums go down because my roof is 15 years old, or I am still spending 100% to insure it? It cuts both ways.
In my area of north central Iowa we need rain. Got one nice significant rain May 15th-16 and very little since, right around a half inch for most our farms.
Things aren't desperate yet but the corn crop in particular was showing stress yesterday.
