Home and Auto Need a new roof!

damaticous · 05-27-2010, 07:31 PM

Well, this sucks. I need a new roof.

Granted it's not 100% crap yet, but I don't anticipate it lasting through the next winter. about 40% of my shingles have lost the asphalt and are curling.

When I bought this house I planned to live in it for 5 years and split. Circumstances have changed due to the job market and I will need to live here for at least a couple more years.

I've only lived in my house for 5 years and only have about 6K in equity.

I've added up the square footage (minus the slope) of the house at 1996. I searched the interwebs for calculators and I see that I'm going to need about 60 squares + other crap. Unless my math is wrong that's almost $4,500 just in shingles!

I've looked into teh HUD 203K, but don't think I'd qualify.

Besides a home equity loan anyone have any good ideas on financing?

Brock · 05-27-2010, 07:54 PM

Are you sure about that square footage?

damaticous · 05-28-2010, 06:19 AM

Quote:

Originally Posted by Brock

Are you sure about that square footage?

Yes. Actually it's a little more since I didn't account for overhang

Brock · 05-27-2010, 07:56 PM

60 squares? I kind of doubt that.

Hog's Gone Fishin · 08-30-2010, 08:09 AM

Quote:

Originally Posted by Brock

60 squares? I kind of doubt that.

Maybe he needs 60 shingles.

Kerberos · 08-30-2010, 10:55 AM

Quote:

Originally Posted by Hog Farmer

Maybe he needs 60 shingles.

I've had a case of the "Shingles" That shit hurt. He definitely doesn't want 60.

**pr_capone** · 05-27-2010, 08:36 PM

talk to your home owners insurance. They covered my roof and I had everything done but have a new roof put on. I paid $500 for the whole thing.

05-27-2010, 08:58 PM

Quote:

Originally Posted by pr_capone

talk to your home owners insurance. They covered my roof and I had everything done but have a new roof put on. I paid $500 for the whole thing.

If his grain is gone and shingles are curling, they're not going to give him much, if anything. It won't be worth a claim.

**Iowanian** · 05-27-2010, 08:40 PM

60square would be a huge roof.

How many square feet is your house? Dimensions? pitch?

05-27-2010, 08:57 PM

You don't have 60 square. That's 6000 square feet of roof. If you owned that size house, you wouldn't blink at $4500.

honeydanny84 · 05-28-2010, 12:24 AM

Quote:

Originally Posted by Phobia

You don't have 60 square. That's 6000 square feet of roof. If you owned that size house, you wouldn't blink at $4500.

yeah, if so 4500 bucks at least

damaticous · 05-28-2010, 06:21 AM

Quote:

Originally Posted by Phobia

You don't have 60 square. That's 6000 square feet of roof. If you owned that size house, you wouldn't blink at $4500.

That'd be awesome if it wasn't. like I said I used an online calculator so I should have been more skeptical.

Kerberos · 05-28-2010, 06:21 AM

Quote:

Originally Posted by Phobia

You don't have 60 square. That's 6000 square feet of roof. If you owned that size house, you wouldn't blink at $4500.

He could be part of the Sub-Prime and got a 110% loan on the palace he lives in.

**doomy3** · 05-27-2010, 09:07 PM

Shoot me a PM if you want me to give you a couple names of people who bid roofs out for a living. They usually get really good prices, and are insured, name companies in the KC area.

warpaint* · 05-27-2010, 10:54 PM

Homeowners insurance won't pay anything for a roof if the only "damage" to it per se is that it's old (I.E. wear and tear) which is what to this point has been described here. I would hold out as long as possible for a hail storm, especially if you have replacement cost coverage on your homeowners insurance. A roof can have up to 80% of its granules gone and still shed water just fine. Depending on how much curling is taking place - I would talk to your insurance agent for a recommendation on a roofer(s) and then get multipe bids and opinions as to whether full replacement is really necessary. I wouldn't consider it personally unless leaks were springing up and coming back after attempting repairs.

If you have a 60 SQ roof you are living in a palace.

05-27-2010, 07:31 PM	Topic Starter
damaticous lurker Join Date: Sep 2003 Location: home Casino cash: $9959900	Need a new roof! Well, this sucks. I need a new roof. Granted it's not 100% crap yet, but I don't anticipate it lasting through the next winter. about 40% of my shingles have lost the asphalt and are curling. When I bought this house I planned to live in it for 5 years and split. Circumstances have changed due to the job market and I will need to live here for at least a couple more years. I've only lived in my house for 5 years and only have about 6K in equity. I've added up the square footage (minus the slope) of the house at 1996. I searched the interwebs for calculators and I see that I'm going to need about 60 squares + other crap. Unless my math is wrong that's almost $4,500 just in shingles! I've looked into teh HUD 203K, but don't think I'd qualify. Besides a home equity loan anyone have any good ideas on financing?
Posts: 1,358

05-27-2010, 07:54 PM	#2
Brock Say hello to my little friend Join Date: Aug 2000 Location: Larryville Casino cash: $9598422	Are you sure about that square footage?
Posts: 47,314

05-27-2010, 07:56 PM	#4
Brock Say hello to my little friend Join Date: Aug 2000 Location: Larryville Casino cash: $9598422	60 squares? I kind of doubt that.
Posts: 47,314

05-27-2010, 08:36 PM	#7
pr_capone THREEPEAT!!! Join Date: Jan 2006 Location: NWMO Casino cash: $9948214	talk to your home owners insurance. They covered my roof and I had everything done but have a new roof put on. I paid $500 for the whole thing.
Posts: 19,897

05-27-2010, 08:40 PM	#9
Iowanian Supporter Join Date: Aug 2000 Location: Utopia Casino cash: $1668454	60square would be a huge roof. How many square feet is your house? Dimensions? pitch?
Posts: 62,945

05-27-2010, 08:57 PM	#10
Phobia Guest Casino cash: $	You don't have 60 square. That's 6000 square feet of roof. If you owned that size house, you wouldn't blink at $4500.
Posts: n/a

05-27-2010, 09:07 PM	#14
doomy3 Supporter Join Date: Aug 2005 Casino cash: $3143539	Shoot me a PM if you want me to give you a couple names of people who bid roofs out for a living. They usually get really good prices, and are insured, name companies in the KC area.
Posts: 12,880

05-27-2010, 10:54 PM	#15
warpaint* Facts are stubborn things. Join Date: Dec 2008 Casino cash: $4554900	Homeowners insurance won't pay anything for a roof if the only "damage" to it per se is that it's old (I.E. wear and tear) which is what to this point has been described here. I would hold out as long as possible for a hail storm, especially if you have replacement cost coverage on your homeowners insurance. A roof can have up to 80% of its granules gone and still shed water just fine. Depending on how much curling is taking place - I would talk to your insurance agent for a recommendation on a roofer(s) and then get multipe bids and opinions as to whether full replacement is really necessary. I wouldn't consider it personally unless leaks were springing up and coming back after attempting repairs. If you have a 60 SQ roof you are living in a palace.
Posts: 1,751