The Insurance Adjuster arrived today to look at
our roof. He explained to me that insurance is typically used to cover something that is sudden and unexpected. For example, a water pipe bursts or a tree falls on your house. He looked at our roof and says it looks like the roof has just warn out early. He said the shingles looked like they baked and became brittle. He said a 12 year old roof shouldn't look this bad, but it doesn't look like the problem is the result of a single instance.
He is going to send his results to the insurance company and the insurance company will contact us and let us know their decision.
I told him that we had purchased a 20 year roof and expected to get more than 12 years out of it. He agreed. Although, he warned, in Western New York State, a 20 year roof usually only lasts 15-18 years. He explained how New York gets the really cold and snowy winters combined with the really hot and humid summers. Getting 20 years on a 20 year roof is only under ideal situations.
He also explained that the pitch on the damaged roof is extreme. That means the roofer will need extra gear to work on the roof, and that is going to cost extra.
I showed him moss growing on the north side of the roofs. He explained that we don't need to worry about it. The moss won't cause any damage. We'll damage the roof if we try to remove the moss. He thinks the mild summer or some weather condition might have encouraged the moss growth
So... great. I'm not very optimistic that this is going to be covered by home owners insurance.
