Home insurance quote

19 Nov

Posted by Admin as Home Insurance

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How to Get Affordable Home Insurance Quotes

This video shows you how to get affordable home insurance quotes from top-rated companies.

Open Question: Has anybody had problems with progressive auto insurance?
Well, My family hit a deer on the freeway approximately 3 years ago. We went home and called to tell them that we were in an accident like we were supposed to do. Well a day or 2 later, they wouldn’t do anything to help us pay to get a new car because it was totaled. Has anybody ever had this problem with this insurance company? We bought a quote from Safe Auto after my dad canceled his coverage with progressive.

Open Question: new roof cost? layover versus not? stupid insurance rule?
I think the house roof measures to need about 23 squares.
I’m getting labor cost all over the map.
1. $2100 labor for a new roof, or $1200 for a layover since no haul off.
2. $1960 for the roofing only.
3. $150 per square and I’m not sure if that includes everything.
4. $90 a square and again that may be just labor.
and the weakest of them all……
5. What you willing to pay? computer keyboard > highlight message > hit delete key.

Here is the deal and it sucks like a NEW vacuum cleaner. The insurance company says if the house is over 10 years old (that could mean a house built in 1998), and the roof has not been re-done in the last 5 years, it has to be done now or no home owner’s insurance. Some people are saying this is Allstate Insurance having their own rules. State Farm gave me a quote and only asked if the roof had been re-done “lately”. I said “no” and that was the end of the roofing questions. The house is 27 years old, and will be sold. I can not afford a new roof.

My real estate agent said this:
The roof is a ‘required repair’ in order for the house to be insurable and a house must be insurable in order for the seller to be able to pass title on the house. If the roof is 27 years old, it needs to be replaced and the estate should pay for it in order to make the home insurable and to be able to pass title on the house. If the homeowner insurance requires it in order to insure the house, the personal reps. don’t have a leg to stand on. It has to be insurable.
Issue: there are 2 reps. and only one is getting the house. The non house rep. is fighting like an alligator because the grass cutters had to come 3 times in October and now there is a defective light fixture that would void a fire claim if related to that light and they don’t want the estate to pay for the light fixture to be installed by a licensed electrician.

So:
1. What is reasonable to pay for a roof? labor? parts? say 23 squares?
I’ve got an ad out there asking for someone to do it with me as the helper and I’ll do the haul off.
2. What % of jobs are “layovers”? advantages? disadvantages? appearance? can you see from the road that it was obviously a layover?
3. What is this BS about 10 year rule on a roof, when the shingles come with 20-30 + year warranties.

Suppose a house age 30 years or 100 years was re-roofed in 2005, then they are under the rule since it was done in the last 5 years. To require a house built and roofed in 1998 to re-roof between 2004 (Nov.) and now, seems questionable.
KenB: do you mean $250-$350 per square for parts, labor and haul off? That’s $5750 plus.

To others: I’m inheriting the house and it will be sold in a few months. If I have to pay to roof it, to get insurance then sell it, the roofing cost was down the toilet and into the pocket of the buyer. I’m selling because I need a smaller home, so I’ll be buying a used home too, and do not want any surprises like buying a house and then find out it can not be insured without a new roof.

I think it’s insurance agent or insurance company specific or the agent was just repeating ways to get higher commissions. I’m finding no one that has heard that 10 year rule. It is was built 30-50 years ago, ok but the way the rule was stated a house built in 1998 would be over 10 years old and not roofed in the last 5 years. Millions of houses out there built in 1998.
I’ll add this. I may only live there for a few months, a few could be 3-4. I’d have to get it insured if I listen to my real estate friend. She said, do not let one day go by without insurance or ur whole inheritance could go down in flames. She knows, her house caught fire by lightening 3 days after she gave the advice. If the insurance co. I’m dealing with forces me to re-roof and then when I buy another more modest place, maybe another roof, lots of roof cost adding up here.
Luckily, the 3 month vacant policy signed on Nov. 16th to take affect Nov. 19th, so I can just not call it my primary residence until Feb. 19th and it might sell by then, or the same policy renewed another 3 mo. but it is $620 for 3 whereas the full year regular home owner’s is $375 or an extra 175/mo. State Farm said $375 seemed low so my father may have had a very high deductable.
I think I could find someone with 15 year shingles, a layover so no haul off & I am the helper. Somebody may need the money bad.

Open Question: you an insurance agent and an estate lawyer? I doubt it, but……..?
The roof is a ‘required repair’ in order for the house to be insurable and a house must be insurable in order for the estate to be able to pass title on the house when it is inherited. If the roof is 27 years old, it needs to be replaced and the estate should pay for it in order to make the home insurable and to be able to pass title on the house. If the homeowner insurance requires it in order to insure the house, the personal reps. don’t have a leg to stand on. It has to be insurable.

Is the above true when the house is to be inherited from an estate?
Or just when the person who inherits it, goes to get home owner’s insurance and is declined because the roof is an issue. The roof is 27 years old but the shingles are still under warranty and no leaks or black streaks like you see on some old roofs. One issue here is the house is being inherited by only one of the two reps. So, rep. #2 would get violent if they had to share the cost of the new roof to make it insurable for the other rep. who will inherit the house. There is an estate account but with two reps. and they being beneficiaries, it’s their money any way, 50%-50%. The 2nd rep. was quoted as saying “you should have let your parent do the roof in last year like they wanted.” Highly suggesting the person inheriting the house will have to pay for the new roof, if required to get home owner’s insurance.
If I am forced to roof the house to get insurance (and the current insurance company is saying if the house is older than 10 years and has not had a new roof within the last 5 years, it shall be roofed newly or no home owner policy) then I’ll be forced to sell the house because I am disabled and limited income.
well the estate (the reps) agreed to repair a water leak near the meter and declared it an estate expense while the deed is in the name of the estate. Now, we have a defective light fixture and the estate is paying for that by a licensed electrician though my grandmother could hook it up, to satisfy the new vacant house policy so it would cover any claim related to that light. That has been determined to be an estate expense. If the estate’s house, and it is still in the estate’s name, is not insurable because of the roof, then some question if it is an estate expense or not.

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