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#2
09-09-2016, 11:09 AM
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I wasn't going to grill him but the best I could understand was there is a $20,000 maximum coverage for unattached structures. And a $4,000 deductible for hurricane damage.
The agent sat down with him, showed him the places in the policy. He also went as far to show him the old policy he had last said the same thing. The agent also said that no company wants to cover anything along the coast. I think he got check for $1400, the agent said "at least this will get you started". Oh, he did throw in $100 for the three day tree removal that we done. He has 288 square feet of roof that needs replacing. This includes all the shingles, all the plywood, all the rafters and beams. Not to mention replacing 190 square feet of facial on the rear wall. On the right side of the picture every rafter is busted and every piece of plywood has punctures as does the rear facial. 
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 '75 Cuddy with '00 Johnson Ocean Pro 150 horse Benny Last edited by tsubaki; 09-09-2016 at 11:23 AM. 
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#3
09-09-2016, 04:03 PM
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at least u had a ridge pole and rafters, with trusses, the whole thing would have to be replaced.
ive got 3 rental houses and my house with only one left with shingles, the rest have metal. after opal in 95 i learned my lesson about shingles
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#4
09-10-2016, 10:52 AM
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Damn Tsubaki, that sucks. I guess about the only thing you can be happy about is that it wasn't his house.
We had a similar hit with Hurricane Irene. Took off the rear corner of our house. But our insurance covered $2500 to remove the tree off the house, and $1000 for tree disposal. Then $4000 to repair the roof with a $500 deductible left us with $7000 total to fix the damage. Just about covered it. I think we needed a few extra hundred to actually pay for everything.
__________________
1987 V20 w/1987 150HP Yamaha on a Shoreland'r Trailer 1978 16.5 Airslot w/1996 120HP Force on a Four Winns trailer 1996 V21 w/1993 200HP Mercury on a Shoreline Trailer All towed by a 5.7L Hemi Durango. If God didn't have a purpose for us we wouldn't be here, so Live simply, Love generously, Care deeply, Speak kindly. (Leave the rest to God)  Silence, in the face of evil, is itself evil. Not to speak is to speak, not to act is to act. God will not hold us guiltless.
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#5
09-13-2016, 09:42 AM
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Sorry to see that, Tsubaki.
BTW, my "named storm deductible" is $16,000.
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