ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Home Insurance/ Insurance Payouts

Updated on November 8, 2012

Roof repair

Insurance companies are not all the same

Last year we had experience some hail damage to our roof. Everyone around us received estimates and their insurance companies replaced their entire roofs. We thought that we would also received the same benefits. Boy, were we wrong. Our insurance co. Ohio Casualty only gave us $2000.00 towards the repair of our roof. We fought it. We had different roofers come out to access the roof damage. We really needed to replace the roof, not just a few shingles.

There is also something else I was unaware of and this is the city or town that you live, might have rules and guidelines about roof repair. The town that i live does not have strict guidelines and so the insurance companies can skate by with shingle repairs not matching in color. Insurance companies want to pay the least and if they are in within guidelines of repair, they see that you get the minimum. We were very upset because we pay our monthly premium for insurance, never lapsed and did not receive any of the benefits. What is the point of paying for home insurance if you can't get coverage for repair? In our case the entire roof.

Its been a year since the hail damage report and we are in the mist of repairing our roof. We are paying for it all out of pocket. I will add that while everyone else was getting estimates last year, I noticed there were a a lot of storm chasers claiming to be roofers. BUYER BEWARE! If those storm chasers do a lousy job and your roof starts leaking or shingles start flying off, you can be sure your insurance company won't pay another a dime, they will double your premiums and consider you a liability cost or they will find you uninsurable because of mutilple claims within 5 years.

We have been getting new estimates for insurance now. We were not happy with the way Ohio Casualty handled our situation. All those insurance companies want your money and after receiving new quotes, they all sound the same. They all charge about the same. I think they need to be more transparent about the actual payout they will pay the customer for damages of any kind. But they need to prove to me in lay-man's terms what I am getting for my money when a problem arises. Have you had any claims that they refused to pay?


    0 of 8192 characters used
    Post Comment
    • alphagirl profile imageAUTHOR


      8 years ago from USA

      I agree but the jargon written by atty is so wordy and it is written in favor of the co. not the consumer. It should be in plain simple english, but lawyers muck it up. We read everything. There are loopholes and insurance companies make it difficult. Our agent was no help.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)