BxEngine Posted March 12, 2015 Share Posted March 12, 2015 Andy, no Caps talk? Link to comment Share on other sites More sharing options...
AvantHiatus Posted March 12, 2015 Share Posted March 12, 2015 Link to comment Share on other sites More sharing options...
FXW176 Posted March 12, 2015 Share Posted March 12, 2015 Andy, no Caps talk? F. U. Link to comment Share on other sites More sharing options...
Kmlwx Posted March 12, 2015 Share Posted March 12, 2015 We just had a ceiling cave in - due for a new roof in the next week or two but probably need a temporary fix. Is there anything we should do before the contractor shows up tomorrow? It's a pretty substantial cave in. Link to comment Share on other sites More sharing options...
snowfan Posted March 12, 2015 Share Posted March 12, 2015 We just had a ceiling cave in - due for a new roof in the next week or two but probably need a temporary fix. Is there anything we should do before the contractor shows up tomorrow? It's a pretty substantial cave in. Don't really have a solution, but do you mind me asking how it caved?...if you happen to know. Older structure? Link to comment Share on other sites More sharing options...
snowfan Posted March 12, 2015 Share Posted March 12, 2015 I see the pic now. Looks like a good bit of water was sitting up there.were there any water stains on the ceiling before it opened up? Link to comment Share on other sites More sharing options...
weatherCCB Posted March 12, 2015 Share Posted March 12, 2015 We just had a ceiling cave in - due for a new roof in the next week or two but probably need a temporary fix. Is there anything we should do before the contractor shows up tomorrow? It's a pretty substantial cave in. Man , that sucks. Drywall repair & plaster & painting is how I've made my living for 30 years. Make sure area is accessible . Cover your stuff with plastic. Make sure contractor replaces insulation and any wood rot. Roofer should do that. But if it has been leaking for a while. Need to check your rafters. Also make sure all mold is killed before they drywall it. Good luck. Link to comment Share on other sites More sharing options...
Ian Posted March 12, 2015 Share Posted March 12, 2015 Snow is bad. Link to comment Share on other sites More sharing options...
Kmlwx Posted March 12, 2015 Share Posted March 12, 2015 I see the pic now. Looks like a good bit of water was sitting up there.were there any water stains on the ceiling before it opened up? We knew it was time for a new roof for a while. Roof was last done around 25 years ago according to my dad. It started leaking and dipping a bit the night before the snowstorm (during the rain portion of the storm). We are due to get a new roof in the next week or two - we have a flat roof with no attic. That area had been dipping more and more and I was pretty sure this was going to happen. THank goodness it didn't fall in a room where somebody was sitting. It was super loud and made the house shake. Man , that sucks. Drywall repair & plaster & painting is how I've made my living for 30 years. Make sure area is accessible . Cover your stuff with plastic. Make sure contractor replaces insulation and any wood rot. Roofer should do that. But if it has been leaking for a while. Need to check your rafters. Also make sure all mold is killed before they drywall it. Good luck. We cleaned up what fell out just now and shop vacced up the smaller stuff. Guy coming tomorrow to at least put a temporary solution in place. For now we just have a dehumidifer running and hoping it doesn't worsen by tomorrow. The good news is that a temporary patch on the roof was put in place yesterday and that stopped the drip of water - but I guess it was too late for that area of ceiling. Snow is bad. I'm going with the excuse that it was leaking before we changed to snow that night Old roof + some procrastination on getting a new one. There's another area leaking in a hall closet that will have to be dealt with too. Not a fun day in our household Link to comment Share on other sites More sharing options...
BxEngine Posted March 12, 2015 Share Posted March 12, 2015 F. U. Link to comment Share on other sites More sharing options...
Stormpc Posted March 13, 2015 Share Posted March 13, 2015 We just had a ceiling cave in - due for a new roof in the next week or two but probably need a temporary fix. Is there anything we should do before the contractor shows up tomorrow? It's a pretty substantial cave in. If your deductible on you HO policy is $1,000 or less, its probably worth filing a claim. Its possible the flat roof seam came apart due to an ice/snow dam. If this can be verified, the insurance would pay for the roof AND the interior damage plus any emergency mitigation you expended. Regardless, the interior damage and repairs will be covered by your HO policy. Also, you may want to file a claim as you likely need to be professionally dried out. Water likely built up in that attic and over top of the insulation and drywall. The attic, or space between the ceiling and roof, is certainly wet. A few more rainy days or days with high humidity and the mold with start growing like wildfire. Just a quick peek at the picture tells me this would be about a $2,500 claim, at the low end. Good luck. Link to comment Share on other sites More sharing options...
nj2va Posted March 13, 2015 Share Posted March 13, 2015 Great classic Big East game between Gtown/Creighton tonight. Link to comment Share on other sites More sharing options...
Ian Posted March 13, 2015 Share Posted March 13, 2015 Didn't Leesburg promise no more 60s the other day? Link to comment Share on other sites More sharing options...
Kmlwx Posted March 13, 2015 Share Posted March 13, 2015 If your deductible on you HO policy is $1,000 or less, its probably worth filing a claim. Its possible the flat roof seam came apart due to an ice/snow dam. If this can be verified, the insurance would pay for the roof AND the interior damage plus any emergency mitigation you expended. Regardless, the interior damage and repairs will be covered by your HO policy. Also, you may want to file a claim as you likely need to be professionally dried out. Water likely built up in that attic and over top of the insulation and drywall. The attic, or space between the ceiling and roof, is certainly wet. A few more rainy days or days with high humidity and the mold with start growing like wildfire. Just a quick peek at the picture tells me this would be about a $2,500 claim, at the low end. Good luck. My dads concern with making this a claim is that it would add a bad mark to our record and make us more difficult to insure (or at the very least be insured at a much higher rate). We have no attic - it goes straight to the room from the ceiling. We are looking at mold mitigation companies now Link to comment Share on other sites More sharing options...
needbiggerboat Posted March 13, 2015 Share Posted March 13, 2015 Honestly.. it might be tempting to get in on the ground floor, some people are going to end up really rich from this turn of events. Strongly considering this....I think a mid six figure stake can multiple rapidly in this growing industry. The disposable income in this area is sick, although VA will be the last hold out for either medical or rec. Link to comment Share on other sites More sharing options...
needbiggerboat Posted March 13, 2015 Share Posted March 13, 2015 My wife is a star cook. I joked with her already about opening a pot edibles business. Edibles are booming massively in CO right now. That would be fun. I would eat your wife's muffin. Mixed feelings on edibles. In the hands and mouths of novices, can be a very bad thing. Kick in is 1-2 hours, and most people are like, well, I need to eat some more or rip a bong....then they are out of their mind f'd up. Edibles are a great alternative to smoking, but without proper controls can cause both an image and end-user harm problem, which is not productive for the great path of cannabis. Also a great way to use ABV herb, but that's getting a bit more technical for this thread. Link to comment Share on other sites More sharing options...
needbiggerboat Posted March 13, 2015 Share Posted March 13, 2015 We just had a ceiling cave in - due for a new roof in the next week or two but probably need a temporary fix. Is there anything we should do before the contractor shows up tomorrow? It's a pretty substantial cave in. maybe move to a less crappy house? also, nice tube tv Link to comment Share on other sites More sharing options...
needbiggerboat Posted March 13, 2015 Share Posted March 13, 2015 giant rebel flag visible around milepost 134 on 95. what an embarrassment and disgusting display. Link to comment Share on other sites More sharing options...
CAPE Posted March 13, 2015 Share Posted March 13, 2015 My wife is a star cook. I joked with her already about opening a pot edibles business. Edibles are booming massively in CO right now. That would be fun. I made dark choco pot brownies last summer. Extremely edible. pm me if you want my recipe and technique Link to comment Share on other sites More sharing options...
Lowershoresadness Posted March 13, 2015 Share Posted March 13, 2015 a little brisk today but if feels good ,hitting my skin, after a long workout Link to comment Share on other sites More sharing options...
AvantHiatus Posted March 13, 2015 Share Posted March 13, 2015 Strong onshore flow, always get these when Spring comes. Good sign. Link to comment Share on other sites More sharing options...
Bob Chill Posted March 13, 2015 Share Posted March 13, 2015 My dads concern with making this a claim is that it would add a bad mark to our record and make us more difficult to insure (or at the very least be insured at a much higher rate). We have no attic - it goes straight to the room from the ceiling. We are looking at mold mitigation companies now I filed my first (and only) claim when I took a branch through the roof during the july 09 severe storm. My rates didn't go up at all. I talked to my insurance company about it and they said I get one free pass. My insurance company is Erie. I think a lot of companies do the same if you've been with them for a while. Your's looks like a minor claim too. Which is good. Total cost of my repairs was around $8k for a single branch through the roof and ceiling. The water that came down the walls, through the floors, and into the basement was the expensive part and not the hole in the roof. Link to comment Share on other sites More sharing options...
mitchnick Posted March 13, 2015 Share Posted March 13, 2015 I filed my first (and only) claim when I took a branch through the roof during the july 09 severe storm. My rates didn't go up at all. I talked to my insurance company about it and they said I get one free pass. My insurance company is Erie. I think a lot of companies do the same if you've been with them for a while. Your's looks like a minor claim too. Which is good. Total cost of my repairs was around $8k for a single branch through the roof and ceiling. The water that came down the walls, through the floors, and into the basement was the expensive part and not the hole in the roof. agree I've been with Erie since 1983...same agent too! the only thing you have to watch out for is if you are getting the no claim of any sort discount; they won't raise your rate but they will remove the discount, which is what happened to us, but we got it back after the 5 years expired Link to comment Share on other sites More sharing options...
Bob Chill Posted March 13, 2015 Share Posted March 13, 2015 agree I've been with Erie since 1983...same agent too! the only thing you have to watch out for is if you are getting the no claim of any sort discount; they won't raise your rate but they will remove the discount, which is what happened to us, but we got it back after the 5 years expired They've had my cars and house for 9 years. I've shopped them a few times and nobody comes close. Best insurance company I've ever had and I've had quite a few through the years. My teen daughter had a rookie mistake and hit another car. I feared the worst but they only took away the "youthful driver" discount which was $164/yr. The explicitly told me there better not be another oopsie. lol. I can only imagine. Link to comment Share on other sites More sharing options...
Kmlwx Posted March 13, 2015 Share Posted March 13, 2015 They've had my cars and house for 9 years. I've shopped them a few times and nobody comes close. Best insurance company I've ever had and I've had quite a few through the years. My teen daughter had a rookie mistake and hit another car. I feared the worst but they only took away the "youthful driver" discount which was $164/yr. The explicitly told me there better not be another oopsie. lol. I can only imagine. Will have to see if my dad has looked into Erie - we are changing insurance companies right now which might complicate things. The people who were here today essentially echoed the need for a completely new roof, repairing the room that caved in obviously, and having a mold mitigation crew out to make sure it's all dried out before we seal it all back up. There was actually a secondary cave-in last night where some of the stuff that had not yet fallen fell. That room is pretty much unused and it's used only for storage and there's a treadmill in there. Thank goodness it didn't happen in a room that we are in often. For now there is a guy making patches to the roof until the entire thing can be replaced and he's just making sure no more will cave in on the inside in the meantime as well. Been a busy week here Alarm system also got replaced and we keep getting a smoke alarm trouble code - the tech has been out 3 times already and problem keeps returning. What a joke! Tough to sleep with all these dehumidifers running too... Link to comment Share on other sites More sharing options...
HighStakes Posted March 13, 2015 Share Posted March 13, 2015 Erie is one of the best. No doubt about it. My company does a lot of storm damage work replacing siding and I have never had a problem getting the homeowner a fair settlement. They always give me what I need to do the job the right way. The big hitters like Allstate and State Farm are the worst. Always looking to throw their customers under the bus and get away as cheap as possible. Link to comment Share on other sites More sharing options...
EastCoast NPZ Posted March 13, 2015 Share Posted March 13, 2015 Echo the sentiments about Erie. Their auto rates can't be beat, but you have to have a good driving record. They tended to get picky on homeowners and rental policies. I dropped them years ago when they tried to make me install deadbolts on all entry doors, self-contained smoke alarms, and fire extinguishers for every house. So I dropped them. Went to Nationwide for years, but ultimately had a couple bad experiences with them: one they didn't cover me when I had a sump pump malfunction and my basement flooded, and then later on they sent me a notice that I had to redo the stairs leading down to my patio, and raised the replacement value on my home by 75% out of the clear blue. My agent took care of the latter issue, but i'd had enough at that point. Went back to Erie 2 years ago and got way better rates than at Nationwide. Had a claim for hail damage to my beat-up car last summer and Erie gave me a ridiculously generous settlement. I do note that my policies on my houses took a pretty good increase this year, but it's still lower than Nationwide and I'm carrying more coverage (earthquake insurance, increased sewer back-up coverage, etc.). Link to comment Share on other sites More sharing options...
Bob Chill Posted March 13, 2015 Share Posted March 13, 2015 When I had my house claim I expected an adjuster to come out and take photos and such and then try and skimp out on the fix. What happened is my adjuster talked to me on the phone and said he's sending servpro out immediately to mitigate the water infiltration and then I could pick from a list (huge list) of contractors to repair the damage. I was able to get 1st class everything done with zero questions asked. They simply stroked a check once the bills were finished piling up. I feared getting nickled and dimed but ended up getting 1st class treatment. Link to comment Share on other sites More sharing options...
nj2va Posted March 13, 2015 Share Posted March 13, 2015 Another vote for Erie Link to comment Share on other sites More sharing options...
nj2va Posted March 13, 2015 Share Posted March 13, 2015 So many great NCAAB games on tonight. UVA/UNC, Nova/Providence, Gtown/Xavier, ND/Duke. In other news...UVA's offense is atrocious. Link to comment Share on other sites More sharing options...
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