Posted by MarkB_MI on June 02, 2014 at 19:14:14 from (174.239.5.70):
In Reply to: OT: Lack of Knowledge. posted by LOU from Wi. on June 02, 2014 at 17:24:14:
Homeowner's insurance pays for hazard damage, such as wind, rain and fire. It does not normally pay for defective construction or materials, although it probably would have paid for a new roof if the defective shingles had blown off in a storm.
I think, under the circumstances, the insurer would have rejected the claim regardless of who made the shingles and what composition they are.
You bought 25 year shingles and they only lasted about 12 years. So Certainteed should owe you about half the cost of new shingles and installation. The first thing to do is to establish proof of purchase. I have to believe you kept the original receipt, which ought to say the brand and type of shingle. You'll have to work through the manufacturer's process for warranty claims. Now if indeed the shingles are covered by a class action lawsuit, that's probably in your favor and I would expect you'll get a better deal than with a simple warranty claim. But right now all you have is the insurance adjuster's opinion that the shingles are organic, and he might not know an organic shingle from an origami shingle.
Your daughter's mistake was trying to file a claim for something not covered by her policy. I'm, sorry, but I can't have a lot of sympathy regarding her rate change. A lot of people (my late, beloved but cheapskate father-in-law for one) put off roof repairs until a storm blows off all their rotten shingles, then file a claim for a new roof. As much as I detest insurance companies, I can hardly blame them for denying a few bogus roof claims and bumping up rates on policyholders who submit them.
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