California E&S Insurance

The roof thing is interesting for sure. A few years back we had a bad thunderstorm go through and rip a few shingles off our rental townhouse. Some water got in and stained the second floor ceiling in a couple places. Adjuster comes out and says with the drywall damage, they are required to reimburse for replacing the drywall and insulation above it, even though she could tell from her two decades in the business that a paint sealer and then paint would take care of the stain and the water intrusion was so small it had already tried up in the heat of the attic. The roof was quoted for replacement but then devalued by the age of the roof. At 19 years old, the roof was end of life, so the payout would be very little. However, our policy had a rider that payed out replacement cost, so once the roof was replaced we could submit the receipt and be reimbursed the entire cost of the roof minus our deductible. We had a $1,000 deductible and after all the drywall and insulation we didn't replace at our adjuster's off-the-record opinion, the whole job cost us $100 out of pocket. The whole bill was a little over 5k. It was the first time I'd ever submitted a homeowners claim so I got quite the education.

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