Join Early Retirement Today
Reply
 
Thread Tools Display Modes
Hail Hell
Old 04-16-2019, 03:45 PM   #1
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
Hail Hell

We had a hailstorm Saturday morning. We we were on the road at the time and missed all the excitement, but a neighbor posted the photo below showing what hit us. Sunday USAA sent me a text saying they were aware of the hailstorm in our area and provided a link to file a claim. When we got home Monday I took a short stroll on the roof then started the claims process. Based on my previous experience with hail damage, the roof is toast.

We built this house in 1998 and lost a roof to hail in 2002, 2014, and now we will have to replace it again - an average of every 7 years. My 2% deductible is now up to the $7k range and the out-of pocket costs for another new roof is beginning to smart.

A couple of my neighbors opted for a metal roof but in 2014 I wasn't willing to spend the extra $. This time I'm going to at least get quotes.
Attached Images
File Type: jpg Hail 1.jpg (19.7 KB, 749 views)
__________________
Numbers is hard
REWahoo is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-16-2019, 03:48 PM   #2
Full time employment: Posting here.
 
Join Date: Aug 2015
Posts: 987
Dammmmmm! Now that’s what I call HAIL!! Not sure a metal roof, besides not leaking from it, would fare much better...while roof would look like a flattened golf ball.
Perryinva is offline   Reply With Quote
Old 04-16-2019, 03:48 PM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 36,204
Would hail the size shown in the picture (looks like a little bigger than a golf ball... perhaps the size of a raquetball?) dent a metal roof?
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
pb4uski is offline   Reply With Quote
Old 04-16-2019, 03:51 PM   #4
Moderator
Walt34's Avatar
 
Join Date: Dec 2007
Location: Eastern WV Panhandle
Posts: 25,290
Wow, y'all take your hail seriously down there!

Strangely, hail the size of baseballs is missing from your list of reasons to not move to Texas. You must've been absent-minded that day.
__________________
When I was a kid I wanted to be older. This is not what I expected.
Walt34 is offline   Reply With Quote
Old 04-16-2019, 03:52 PM   #5
Moderator Emeritus
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 47,467
Quote:
Originally Posted by REWahoo View Post
We had a hailstorm Saturday morning. We we were on the road at the time and missed all the excitement, but a neighbor posted the photo below showing what hit us. Sunday USAA sent me a text saying they were aware of the hailstorm in our area and provided a link to file a claim. When we got home Monday I took a short stroll on the roof then started the claims process. Based on my previous experience with hail damage, the roof is toast.

We built this house in 1998 and lost a roof to hail in 2002, 2014, and now we will have to replace it again - an average of every 7 years. My 2% deductible is now up to the $7k range and the out-of pocket costs for another new roof is beginning to smart.

A couple of my neighbors opted for a metal roof but in 2014 I wasn't willing to spend the extra $. This time I'm going to at least get quotes.
Wow, given the history of roof damage due to hail, and the length of time that you have lived in that house (and probably will in the future), that sounds like a very good idea.

I wonder if your insurance company would lower your rates due to having a metal roof, if/when you do. Maybe not since your out-of-pocket costs are so high, but one never knows.

Sorry that you got hail damage again, especially while you were on vacation.
W2R is online now   Reply With Quote
Old 04-16-2019, 03:55 PM   #6
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
Quote:
Originally Posted by pb4uski View Post
Would hail the size shown in the picture (looks like a little bigger than a golf ball... perhaps the size of a raquetball?) dent a metal roof?
Good question. I'm planning on paying a visit to my neighbor down the road to see how his roof weathered the storm - and find out who installed it for him.

BTW, I think the "official" size description is "teacup". Seriously.
__________________
Numbers is hard
REWahoo is offline   Reply With Quote
Old 04-16-2019, 03:56 PM   #7
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
Quote:
Originally Posted by Walt34 View Post
You must've been absent-minded that day.
It's obvious I'm losing a step.
__________________
Numbers is hard
REWahoo is offline   Reply With Quote
Old 04-16-2019, 03:57 PM   #8
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jun 2016
Location: Colorado
Posts: 8,971
We live in the hail belt. I've seen hail storms where they had to call out the snow plows. I've had $1500 in hail damage to my car and my wife has had $9000 worth of damage. On our house we've replaced screens, roof venting, siding.
Hail sucks.
COcheesehead is offline   Reply With Quote
Old 04-16-2019, 04:11 PM   #9
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
REWahoo's Avatar
 
Join Date: Jun 2002
Location: Texas: No Country for Old Men
Posts: 50,000
Quote:
Originally Posted by W2R View Post
I wonder if your insurance company would lower your rates due to having a metal roof, if/when you do. Maybe not since your out-of-pocket costs are so high, but one never knows.
Yes, if you install an impact resistant roof your insurance co will adjust rates accordingly. However, you must acknowledge in writing you understand they will not pay for cosmetic damage to the roof - AKA dings and dents.

Quote:
Originally Posted by W2R View Post
Sorry that you got hail damage again, especially while you were on vacation.
Adding insult to injury, we were on our way to the funeral for my sister-in-law. My brother died 11 years ago and she was being cared for by her niece, who didn't think it important to let us know she was seriously ill until Friday morning. She died that same afternoon and they decided to have a "direct burial" Sunday morning. We had to scramble to make the 400 mile trip in time for her graveside services.

When we got there we learned my SIL had been in hospice care (kidney disease) since January. The niece had also failed to tell us that, even though I had spoken to her a few weeks ago when we discussed a trip to visit my SIL the first week in May. Clueless airhead.
__________________
Numbers is hard
REWahoo is offline   Reply With Quote
Old 04-16-2019, 04:30 PM   #10
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
bbbamI's Avatar
 
Join Date: Dec 2006
Location: Collin County, TX
Posts: 9,293
I'm so sorry about about your sister-in-law REWahoo.

Regarding the hail, we've experienced it twice this year. The first time wasn't bad, but the second one lasted for 30 minutes. It started out the size of a quarter, but then became smaller. No damage to our 3 year old roof.

Unfortunately we may get more hail tomorrow night. I'm sure not hoping for 'teacup' hail.
__________________
There's no need to complicate, our time is short..
bbbamI is offline   Reply With Quote
Old 04-16-2019, 04:34 PM   #11
Moderator Emeritus
Bestwifeever's Avatar
 
Join Date: Sep 2007
Posts: 17,773
Quote:
Originally Posted by REWahoo View Post
Yes, if you install an impact resistant roof your insurance co will adjust rates accordingly. However, you must acknowledge in writing you understand they will not pay for cosmetic damage to the roof - AKA dings and dents.



Adding insult to injury, we were on our way to the funeral for my sister-in-law. My brother died 11 years ago and she was being cared for by her niece, who didn't think it important to let us know she was seriously ill until Friday morning. She died that same afternoon and they decided to have a "direct burial" Sunday morning. We had to scramble to make the 400 mile trip in time for her graveside services.

When we got there we learned my SIL had been in hospice care (kidney disease) since January. The niece had also failed to tell us that, even though I had spoken to her a few weeks ago when we discussed a trip to visit my SIL the first week in May. Clueless airhead.
I’m so sorry.
__________________
“Would you like an adventure now, or would you like to have your tea first?” J.M. Barrie, Peter Pan
Bestwifeever is offline   Reply With Quote
Old 04-16-2019, 04:37 PM   #12
Moderator
braumeister's Avatar
 
Join Date: Feb 2010
Location: Flyover country
Posts: 25,155
I'll never forget my first week in Colorado many years ago. It was May, and my brand new car sat out in the parking lot while the worst hailstorm I had ever seen raged for a couple of hours.

Next morning I went out and found the car looking like the surface of a golf ball -- big dimples all over the roof, hood, and trunk. Cheap car (Chevelle) so probably thinner metal than it should have had.

I was beside myself, and called USAA to make an insurance claim. Gave all the details over the phone, and the guy told me that the dents would "heal" themselves over the next few days from expansion/contraction with the warm days and cold nights.

Sure enough, he was right!
__________________
I thought growing old would take longer.
braumeister is offline   Reply With Quote
Old 04-16-2019, 05:10 PM   #13
Moderator Emeritus
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 47,467
Quote:
Originally Posted by REWahoo View Post
Yes, if you install an impact resistant roof your insurance co will adjust rates accordingly. However, you must acknowledge in writing you understand they will not pay for cosmetic damage to the roof - AKA dings and dents.
Well, I'd think that might be worth it. I mean, really, how often does one scrutinize the roof. OK maybe others do, but I hardly look at mine unless I am wondering how long I've got before it wears out. And, with one of those 50 year roofs I'd have no reason at all to ever bother looking at it.

Quote:
Originally Posted by REWahoo View Post
Adding insult to injury, we were on our way to the funeral for my sister-in-law. My brother died 11 years ago and she was being cared for by her niece, who didn't think it important to let us know she was seriously ill until Friday morning. She died that same afternoon and they decided to have a "direct burial" Sunday morning. We had to scramble to make the 400 mile trip in time for her graveside services.

When we got there we learned my SIL had been in hospice care (kidney disease) since January. The niece had also failed to tell us that, even though I had spoken to her a few weeks ago when we discussed a trip to visit my SIL the first week in May. Clueless airhead.
Agh.. My condolences!! I had hoped/assumed you were having another carefree vacation, touring the country's back roads blissfully in your RV. Sorry that wasn't the case.
W2R is online now   Reply With Quote
Old 04-16-2019, 06:41 PM   #14
Thinks s/he gets paid by the post
 
Join Date: Jul 2015
Location: Beaverton
Posts: 1,382
The worst thing that happens to my roof is moss.
__________________
Jump in, the water's warm.
Bir48die is offline   Reply With Quote
Old 04-16-2019, 06:52 PM   #15
Gone but not forgotten
 
Join Date: Jan 2007
Location: Sarasota,fl.
Posts: 11,447
Sorry for your troubles !

Could you imagine how hail would sound hitting a metal roof . It would be like living in a war zone.
Moemg is offline   Reply With Quote
Old 04-16-2019, 06:53 PM   #16
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
MRG's Avatar
 
Join Date: Apr 2013
Posts: 11,078
Wow that is the definition of a bad day. Good luck with the insurance.

We were hit a few times outside of KC. The first was unreal. Softball size hail took out all the windows and cedar siding. It was a mess, worse were the neighborhood animals. Horses stood out in the storm being stuck and standing still. Goats and dogs were not happy.
MRG is offline   Reply With Quote
Old 04-16-2019, 09:22 PM   #17
Thinks s/he gets paid by the post
 
Join Date: Oct 2012
Location: Reno
Posts: 1,331
Mom (from Worcester, Mass) moved with my father to Normangee Texas, just outside of Bryan (think Texas A&M) in 1955. They had a softball size hail storm on a tin roof. She said it sounded like Thor up on the roof with a sledgehammer hammering on the roof for half an hour. I think almost every roof in town, along with windshields, had to be replaced, except for the tin roofs.

She said it was an "interesting" introduction to Texas.





Quote:
Originally Posted by Moemg View Post
Sorry for your troubles !

Could you imagine how hail would sound hitting a metal roof . It would be like living in a war zone.
RobLJ is offline   Reply With Quote
Old 04-16-2019, 10:40 PM   #18
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 16,973
OP - look on the bright side, if you had been home, you might be filing a claim for the car as well.

Might want to walk around the house to be sure the siding/flashing/window screens and deck furniture is still all in once piece.
We had hail once and it punched holes in my siding.
__________________
Fortune favors the prepared mind. ... Louis Pasteur
Sunset is online now   Reply With Quote
Old 04-16-2019, 11:37 PM   #19
Thinks s/he gets paid by the post
 
Join Date: Aug 2013
Posts: 1,962
Had golfball hail like that in 2016 .. Insurance had to replace my entire roof. Cost $16,000.
__________________
No to consumerism, Living a simple life, enjoying the experience - not the material stuff
cyber888 is online now   Reply With Quote
Old 04-17-2019, 01:41 AM   #20
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Amethyst's Avatar
 
Join Date: Dec 2008
Posts: 12,566
So sorry for your loss. The niece probably was functioning the best she could (even if not up to standards) as a caregiver, and it took up every brain cell she had.

Quote:
Originally Posted by REWahoo View Post
Y
Adding insult to injury, we were on our way to the funeral for my sister-in-law. My brother died 11 years ago and she was being cared for by her niece, who didn't think it important to let us know she was seriously ill until Friday morning.
When we got there we learned my SIL had been in hospice care (kidney disease) since January. The niece had also failed to tell us that,
__________________
If you understood everything I say, you'd be me ~ Miles Davis
'There is only one success – to be able to spend your life in your own way.’ Christopher Morley.
Even a blind clock finds an acorn twice a day.
Amethyst is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
How to hail Uber when I am at an unkown address? haha Other topics 10 12-31-2017 11:07 PM
Hail Damage Auto AlbaCrush Other topics 14 05-03-2016 05:45 PM
Hail damage question Texas Proud Other topics 44 04-29-2015 03:16 PM
Hail damage = homeowner VS insurance company Tom52 Other topics 20 07-21-2013 11:21 PM
Would you buy a new car with repaired hail damage? soupcxan FIRE and Money 25 05-31-2011 07:30 AM

» Quick Links

 
All times are GMT -6. The time now is 10:21 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2024, vBulletin Solutions, Inc.