***OFFICIAL 2026 WEATHER THREAD***

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.
If I recall correctly, I had the option of paying "standard" premiums (depreciable) or "replacement cost" premiums. I paid for a new roof if damaged so I expect that.
 
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.

Agree to a point. But deductible’s being a percentage of the total value of the house rather than the loss, you can get to a point that they don’t cover much on a roof over 5-10 years old.
 
Agree to a point. But deductible’s being a percentage of the total value of the house rather than the loss, you can get to a point that they don’t cover much on a roof over 5-10 years old.
I'm 10,000% with you on the percentage deductibles. It's BS that non-high value homes are going that way.

$2M+ home? Totally get it, you've got to assume some of that risk. Less than that? No freaking way but that hasn't stopped them.
 
Last day of school today ended with a shelter in place due to a high wind event, not quite tornado though.

Lots of tree branches down.

One positive is a few windows were opened after and the humidity in the building dropped.

Before anyone asks, no, several older school buildings do not have A/C including mine.
 
Wind and hard rain just finishing up in N. Ames, lasted maybe 20 minutes, no damage that I can see around the neighborhood.
I went home about 1 for a short bit and found a river birch branch partially "torn" down and my solid bird feeder pole from Wild Birds Unlimited completely out of a raised flower bed with the pole itself broken. Then saw several branches down in yards that back up to ours and our neighbors.
Edit: and three-tenths of an inch of rain.
 
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Last day of school today ended with a shelter in place due to a high wind event, not quite tornado though.

Lots of tree branches down.

One positive is a few windows were opened after and the humidity in the building dropped.

Before anyone asks, no, several older school buildings do not have A/C including mine.
Whaaaaaattt???

Last day of school is June 10th??