I know we have things to talk about… doctor’s appointments and opinions on cycles and all that. But I can’t talk about any of that right now because I can barely hear myself think. And I was going to tell you all about that, but then I realized that I have told you nothing about that so HOLD ON TO YOUR HORSES! Belle has a lot to talk about today.
Let’s go back to mid-October. I know right – how have I not mentioned any of this since October??? The answer is that it’s just been moving along so slowly that it’s been a mostly boring process. Anyway, mid-October, a Saturday. It was raining and we’d just gotten back from lunch. Since it was raining, I closed the garage door before getting out of the car to get the dumpling out. As I walked around the back of the car, a fat droplet of water splashed to the ground in front of me. As I peered up at the ceiling, I spotted a the telltale inverted puddle on the ceiling. Roof leak. Well crap.
I climbed up to the ceiling and, thankfully, didn’t find the lake of water that I feared. I did notice a slow drip down one of the roof’s beams, confirming a roof leak. As it appeared to be a very slow leak, I wasn’t too terribly concerned. I called several roofers on Monday morning, knowing that it might be a while before anyone could get back to me (lots of storms in the area mean busy roofers). While waiting to hear back on the calls I had placed, I had a guy call me, based on some information I had given to HomeAdvisers. We agreed to meet in a couple of days, when I’d be at the house (and when the forecast was finally free of rain).
I was hoping for some guidance on whether to repair or replace the roof. I didn’t know how old, exactly, our roof was. We haven’t done any roof work and when we bought the house, five years ago, they certainly weren’t advertising a new roof. That places good odds that the roof is at least seven years old. Depending on how expensive or extensive the repair would be, it might be a better idea to replace the roof.
But then, my new roof-savior appeared. Ryan was knowledgeable and extremely helpful and quite willing to go toe-to-toe with our insurance company. I was impressed that first meeting when he had Allstate’s (our insurance company, though he didn’t know that beforehand) claim number in his contacts. We called them up on the spot to start the claim process. I was even more thoroughly impressed when Ryan rattled off the date and time of the storm (which had rolled through in June!). And thus we began our journey with Allstate.
I won’t give you all the back-and-forth though there are a few highlights:
- Somehow, the claim we filed that first day didn’t get entered correctly. It appeared in Allstate’s system as a claim number with nothing attached. It took me calling in several times to get the issue sorted out and the process started for real.
- We had a very contentious first inspection when Allstate’s ladder guy refused to label our roof as hail damaged. Incongruently, they agreed that the vents and gutters had hail damage and that the interior damage was also storm related. So all the trimmings are due to hail damage and the inside damage is due to the storm, but not the roof? Not that the roof was fine, mind you. Oh no, everyone agreed that the roof was shot. The first ladder guy argued that it was blistering instead.
- We requested for a re-inspection almost immediately, with Ryan adamant that Allstate should cover the roof.
- After the first inspection, when we knew this process might take a bit longer than anticipated, Ryan had his guys put on a temporary cover to seal up the roof a bit better. The next time it rained, I was appalled to discover that rain water sluicing off our garage door when it opens, what I had assumed to be a little quirk (quick! run around the car before you get wet!), turned out to actually be a symptom of the leak. I had been dealing with this little quirk for months. MONTHS. And I’d never realized.
And that brings you up to just a few days before Christmas. Our re-inspection was scheduled for Friday, December 21st. We had an adjuster, a quality control inspector, and a senior ladder assist from Allstate, as well as our own contractor, Ryan. So many people! After some initial disagreement (the ladder assist “didn’t see” hail damage on his first pass through), Allstate finally agreed to recognize the hail damage and cover the full roof replacement. Merry Christmas! You’re getting a new roof!
So that’s what we’re doing today! Getting a new roof! The materials were delivered early yesterday morning. The dumpling was living his best preschooler life as he gleefully watched the forklift drive up and down our driveway. I about had a heart attack this morning when I spotted someone walking across our backyard before dawn this morning, only to realize that it was the roofers, here
bright pre-dawn and early. (The dumpling adorably decided the noise he was hearing was thunder.)
And now I must confess that while I am very distracted from all the hammering, my primary reason for writing all of this down is so that in several years, when I can’t remember when we put the new roof on, I can look back and figure it out. (Which is the only reason I know when we put the floors in.) Yay for adulthood, when every year starts to run together!