New here but been checking the forum to find similar questions before I decide to post. I’m still puzzled so perhaps you gents can help me out.
The recent hailstrom (late May) have damaged my roof. The insurance adjuster came out and estimated cost about 12,000 USD. The money is included for 5 cracked windows and two busted sky lights. The insurance company cut me a check already for the work.
I will be totally honest here initially I wish not to use the money to repair the roof. I want to do some other home improvement with part of the money and pocket the rest. I replaced the entire roof back in 2009 and there are roughly 5~6 shingles I see needs to be fix (they are bold but not cracked or lose). I’ve already read few posts regarding to this situation and now my decision is wavering.
My question is:
If I don’t fix the roof or partially repair it, what will be the consequence with the insurance company (My carrier is All State)?
I don’t know the type of shingle I have but they look like thick rough sandpapers, They are still new and is it really necessary to replace entire roof with just few damaged shingles? Or does the roofers try to sell me more than I need?
- The entire roof is replaced in summer 2009.
- The bald spots I mentioned earlier are about golf ball size.
- I live in Texas where the summer is hot and we get hailstorm every spring.
- After this incident there are few rain stroms. I checked the attic every time and there are no leakage as I know of.
- The house is about 30 years old.
My questions are sincere and my budget is limited. It would be really nice to keep the money in the pocket and improved on some need it areas. You honest opinions and candid answers will really help. I truly apprecaite it.
Thank you in advance,