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BS: Storm damaged roof, leaking into bedroom

punkfolkrocker 20 Aug 19 - 01:27 PM
Stilly River Sage 20 Aug 19 - 01:31 PM
Joe Offer 20 Aug 19 - 01:35 PM
Bill D 20 Aug 19 - 02:24 PM
Jim Carroll 20 Aug 19 - 02:29 PM
Dave the Gnome 20 Aug 19 - 03:54 PM
Iains 20 Aug 19 - 05:34 PM
Iains 20 Aug 19 - 06:19 PM
Stilly River Sage 20 Aug 19 - 07:07 PM
punkfolkrocker 20 Aug 19 - 08:04 PM
Iains 21 Aug 19 - 03:40 AM
Mr Red 21 Aug 19 - 04:12 AM
Charmion 21 Aug 19 - 09:35 AM

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Subject: BS: Storm damaged roof, leaking into bedroom
From: punkfolkrocker
Date: 20 Aug 19 - 01:27 PM

Naturally, the insurance company has immediate scripted reasons
to refuse us a claim on the policy...

Wind speed not sufficient to trigger a claim,
and even if it was we can't prove the roof has been inspected on a regular basis...

[which it obviously hasn't..]

Anyway, that's why I'm not active on mudcat at the moment..
Sorting out roofers and finding the money to pay 'em...
Have fun...


I'm not...


pfr


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Stilly River Sage
Date: 20 Aug 19 - 01:31 PM

Gah. I just went through a ceiling repair from a shifting foundation; I have to repair the foundation for a huge sum, so for the time being I fixed the impacted parts of the house. It certainly sucks up all of your available time and energy, doesn't it? I have a great roofer here in TX, but I doubt he travels.


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Joe Offer
Date: 20 Aug 19 - 01:35 PM

Good luck, PFR. here in the US, it sometimes seems that insurance companies pay claims too readily, like when an old fence falls down. But when the claim is more serious, the companies become reluctant to pay.


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Bill D
Date: 20 Aug 19 - 02:24 PM

Had an Oak tree fall on the roof 2 years ago, and the insurance paid for everything. Yeah, they did increase the rates a bit, but we'd have been in deep **** without it.


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Jim Carroll
Date: 20 Aug 19 - 02:29 PM

Missing you
I remember our insurance company wouldn't pay up for a roof the falling onto our car because it was "an act of God"
Perhaps you can make a water feature of it :-)
Jim


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Dave the Gnome
Date: 20 Aug 19 - 03:54 PM

Makes you wonder what we pay insurance for! Good luck PFR.


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Iains
Date: 20 Aug 19 - 05:34 PM

PFR don't take it lying down.
Get copies of the local met report wind and rain gauge data.
Compare rainfall intensity and wind compared to other storm events.
Try citizens advice for any help they may be able to offer
If your insurer hasn't resolved your complaint within eight weeks, or has rejected it, you can take it to the Financial Ombudsman Service . FOS has the power to award up to £150,000 against an insurance company. Claim forms can be downloaded from the FOS website or you can call 0300 123 9123.
Give them hell!
Some of the records are online others you may need to contact the met office(no idea of costings but would be nice to throw it at the insurance company to pay.)

http://www.ceda.ac.uk/blog/uk-weather-station-records-now-freely-available-to-all-midas-open/

I had a vaguely related problem concerning porkies being told about flood risk for a property. However gauges existed on the river with online records back to 1970. Having witnessed 2 flood events it was a very straight forward exercise to calibrate the records against witnessed events and extract similar events back over time. In your case you would be looking to demonstrate uniqueness of a weather event


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Iains
Date: 20 Aug 19 - 06:19 PM

https://www.weatherstations.co.uk/wow.htm

Ideally you want your next door neighbour's weather data, or the school at the end of the road. Some weather events can be very localized, so the closer the data originates,the more useful it becomes,especially in hilly areas. It is definitely worth spending a bit of time on to see if anything useful can be gleaned. Insurance companies dislike facts and reams of data, it stops their weasel ways in an instant.


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Stilly River Sage
Date: 20 Aug 19 - 07:07 PM

When he's not getting up people's noses Iains can be very helpful. I also had the thought that you should give the insurance company some pushback. And who gets their roof inspected?


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: punkfolkrocker
Date: 20 Aug 19 - 08:04 PM

Iains - thanks for that...

Refusal to take no for an answer, and dogged persistence
ought to pay off when dealing with insurance companies...

The meteorological data was based on a recent readings from a site 12 miles from us,
which is very reasonably open to dispute.

Unfortunately, even if we could demonstrate the wind was above the 55 miles per hour hurdle for claiming;
they'd have got us on the pre-existing state of wear and tear of our roof...

[The flashing is noticably well f@cked after more than 20 years battering by the elements...!!!]

We were told the roof would need to pass inspection by their surveyor,
and invoices for inspections from roofers would be asked for...

So, basically, the condition of our roof would have had to satisfy the insurance company surveyor,
that it was so good and strong enough
that it would withstand winds in excess of 55 miles per hour
without being damaged...

ie.. a roof so well maintained and weather resistant we would never need to claim on it...??????


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Iains
Date: 21 Aug 19 - 03:40 AM

I doubt if anyone has their roof inspected as a matter of course. It is something you do when you have a leak. People take out household insurance to cover for extreme events. What you have to do is prove it.
https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/home-buildings-insurance/storm-damage
You need to determine if any weather stations are closer, and look at wind speeds and precipitation from several to see if one is anomalous.
Did anyone nearby suffer similar damage. Was the weather that day classified as a storm?Had any slight damage been demonstrated on the roof prior to the event? (This response could be crucial.) Any collateral damage nearby? Fences blown down, tree branches blown off, leaves stripped of vegetation etc etc, any nearby flooding.
Any confirmatory evidence you can rustle up will help build your case, and if it is the insurance company quoting a weather station 12 miles away you could legitimately argue that it might as well be on a different planet. Weather is a very localized event.( Where I live one valley could have a flash flood while the adjacent one has scorching sunshine) Mean wind speed is largely irrelevant, it is the gusts that do the damage.
I hope you have enough where you can paint a convincing picture so you can demonstrate that you were subjected to an extreme event.


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Mr Red
Date: 21 Aug 19 - 04:12 AM

I can understand the thing about maintenance, but the whole point about storms is that, that is what insurance is for.

FWIW UK law allows insurance companies to claim "riot" if the damage is caused but a number of people, and that number is quite small. Like maybe 5, certainly 10!


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Subject: RE: BS: Storm damaged roof, leaking into bedroom
From: Charmion
Date: 21 Aug 19 - 09:35 AM

In real life, the roof gets inspected when the house is sold, or when water appears inside the house where no water should be. PFR's insurance company is definitely trying it on.

A five-man riot, eh? You Brits really know how to live.


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