Not happy with the number

So to my surprise I saw that Tower Hill did the initial processing of my claim.  Since I have electronic document delivery I was able to see it instantly instead of waiting 5-7 days.  I wish I was happier with what I saw.  They accessed my total damage at just under $15,600 which is less than the lowest quote I received to redo the roof in three tab shingles.  I also have an additional $4500 quote to repair the pool cage damage and rescreen it so to me, we are about 5k apart from what I would be satisfied with.  When you factor in the $5100 plus hurricane deductible my policy has, the actual check I would be getting would be for around $10,500.

My plans to upgrade the roof as part of this process to metal make it even more important to get fair value in the claim to reduce how much is coming out of my pocket.  I get to begin a new round of frustration today when I call them up to dispute their numbers.

Even though my knee jerk response was to go metal with the replacement roof the visit by the Home Depot estimator added some more fuzziness to that view.  The prospect of architectural shingles seemed interesting as a stronger, better looking alternative to the three tab shingles that were on the house.  Supposedly they have a version of these shingles designed to reflect heat much better than normal shingles.   Architectural shingles are also far less expensive than metal roofing.

The sky high price of the standing seam metal roof quote by HD ($31k) makes me doubt the wisdom of going with the 5V crimp exposed fastener metal roof that I was quoted for about $19k from another place.  There is a reason there is such a huge price difference between the two with the main reason being exposed fasteners over time have the potential to break down and allow moisture in.  But at the same time does it even matter what the roof is even like in 30 years, I’ll likely be dead before that and if not, probably living elsewhere.

So I have a lot of things rolling through my head and a lot of issues to resolve.  I can hardly wait till this time next year where all of the hurricane remediation and work related headaches will be behind me.

Forecast for the weekend, pool screen sewing, pool screen stretching, and hopefully some time for fun.

 

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