On May 23rd here in Columbia, South Carolina, we had one doozy of a thunderstorm. Awesomely, it included golf-ball sized hail. My car was in the garage. Scott's car wasn't**. It sure took a beating. Although it didn't show up well in pictures, it looked like the car had chicken pox scars all over it. Maybe you can see the one in this photo?
(look at the door handle, then up and to the left a little)
The right side mirror was busted, too.
After a phone call to the insurance company, a visit to a body shop for an estimate, and a week in the shop, the car is looking much better. No more chicken pox!
We also had a rep from our insurance, USAA, come look at our roof, deck, and fence. He said other than lots of dents on the aluminum vents on the roof and downspouts for the gutters, the roof looked great. Based on his assessment, the work that needed to be done to fix the dented vents wouldn't even add up to our deductible. He was convincing, seemingly thorough (up on the roof for several minutes), talked in detail about the type of shingles and the age and when we should think about a new roof (about 5 years from now).
Phew. Our roof was fine. I felt relieved.
Over the next few weeks, however, three of our neighbors have had their roofs assessed by their own insurance people and are getting new roofs due to the hail damage.
Hmmmmm.
This makes me question the information I received about our roof. All of our roofs are approximately the same age, within a few months of each other. To the untrained eye, the roof materials seem to be the same. Our houses are on a cul-de-sac and therefore all face slightly different angles, which could matter in this equation, depending on the direction the hail was pelting down and such.
This week I called a totally random roofing company to have them come take a look. The guy was up there approximately 3 minutes. He came down and said yes, there is hail damage. He recommended a new roof. I told him what the insurance adjuster said. He offered to meet with the adjuster at the house and walk the roof together to see if they can agree on the work that needs to be done. I like that idea. This is the direction I'm heading in at the moment. It's all I know to do.
Here's the thing: I don't know who to trust!! Obviously the insurance agent is looking out for the best interests of the insurance company. They don't want to pay for a new roof if they don't have to. Then the roofing guy comes out, looking out for HIS company's best intere$t, and recommends a new roof.
<sigh>
Do any of you have good family friends or someone you trust implicitly that could come make a really objective recommendation?! Because making the roofing people and the insurance people take lie detector tests seems a little extreme, but I've pondered that option...
**Sadly for our friend, Jason, his car was at our house getting pelted along with Scott's. Had Jason been at home, this wouldn't have happened. So very, very sorry Jason!!