***OFFICIAL 2026 WEATHER THREAD***

[Letterkenny]

Monsoon just started in Johnston. Blowing sideways.

 

[cydnote]

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.

 

[nfrine]

Bring on the hail today!!! Daddy needs a new roof!!

Check your policy first....

 

[Clonehomer]

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.

 

[awd4cy]

Need rain to build up moisture for July heat. Short for the year here.

Corn roots will reach the moisture if things are dry right now.

 

[awd4cy]

Rain will be moving into Des Moines area around 10am. So much for that. At least that's according to Channel 13 future radar.

Like to see that. Wunderground basically has 20% for the afternoon round for Ames. They must think it’s going to blow up further east.

 

[awd4cy]

Has there been enough rain lately for the Iowa farmers? Or do they still need a bit more?

Most are in great shape right now.

 

[1UNI2ISU]

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.

 

[pourcyne]

Of course it's going to hail. My corn is perfect.

 

[1SEIACLONE]

Wind and hard rain just finishing up in N. Ames, lasted maybe 20 minutes, no damage that I can see around the neighborhood.