Roofing or Landscaping? (Full Version)

All Forums >> [Public Forum] >> Roofing and Construction



Message

aporco -> Roofing or Landscaping? (8/18/2006 9:24:10 AM)

Assuming you were assigned a wind claim for damage to the "roof," is it roofing material or is it landscaping?

[image]local://upfiles/4542/FD82CE885CA543A69A28BCFEE4B3F3C5.jpg[/image]

[image]local://upfiles/4542/89990E98BC524CF2B2F4F361F11F4E4D.jpg[/image]



Storm Duty -> RE: Roofing or Landscaping? (8/18/2006 9:29:50 AM)

I would not want to cut that grass!
But, I have seen on TV that "green homes" have used grass as an insulator and roofing material before.



CATdawg -> RE: Roofing or Landscaping? (8/18/2006 9:35:46 AM)

Would crabgrass be a covered peril? How about insect pests ("Grubs killed my roof")?.



racko -> RE: Roofing or Landscaping? (8/18/2006 9:54:35 AM)

Find the covered peril (damage by horseshoes would be intentional/expected, and therefore excluded), then simply determine whether to repair or replace...ie. re-seed vs. re-sod.  Don't forget to do a square test!



Darryl -> RE: Roofing or Landscaping? (8/18/2006 10:01:34 AM)

I like the photo and have had this discussion with several carriers as it pertains to subterranean housing units with a sod roof covering.  None of them would ever commit to an answer as it was just theoretical, no damage to the roof.  Several of the units were old ammo bunkers converted into living units and another was a commercial enterprise built into a hillside.  They were not completely underground, but you did have to mow the roof.  I always tell our adjusters, 'never say never'.  Just when you think you've seen it all, you see something new.  That's one of the great parts of the job.



danandlea -> RE: Roofing or Landscaping? (8/18/2006 10:10:20 AM)

"Mr. Insurance agent, I'd like to add a winter peril endorsement please..."



givemeroofs -> RE: Roofing or Landscaping? (8/18/2006 12:13:26 PM)

That sure is a nice backdrop, where is that?



aporco -> RE: Roofing or Landscaping? (8/18/2006 3:58:59 PM)

The photo was taken just west of Hazleton, PA in the township of Conyngham. This in the Pocono mountains. Worked some flood claims up there. Beautiful country, some outrageous trout streams.



paigetex -> RE: Roofing or Landscaping? (8/18/2006 4:33:05 PM)

What damage did they claim?



aporco -> RE: Roofing or Landscaping? (8/18/2006 6:30:07 PM)

No damage. Just saw this usual "roof" and thought about the possibility of a roof claim. Since wind is not a covered peril to landscaping under most policies, I wondered at what point, if any, would the roofing cover would become "property not covered"? I simultaneously thought that my friends here at CADO might enjoy this little poser. (For those of you who know me: No comments allowed about my being able to sustain or even generate two thoughts at the same time.)



paigetex -> RE: Roofing or Landscaping? (8/18/2006 6:36:42 PM)

I adjusted a wood shake roof on a real estate building in Pensacola, FL in '04 that definitely had wind damage to the roof along with corresponding interior damage to the interior. The wood shakes were also covered in moss, a condition that the owner of the building stated grew from buttermilk having been poured all over the roof when it was new to stimulate the fungi growth.  She asked (laughingly) whether or not her policy covered the buttermilk, and the labor required to pour it, over the new roof when it was installed. I (laughingly) responded.... No.



CATdawg -> RE: Roofing or Landscaping? (8/18/2006 8:07:08 PM)

quote:

ORIGINAL: paigetex
The wood shakes were also covered in moss, a condition that the owner of the building stated grew from buttermilk having been poured all over the roof when it was new to stimulate the fungi growth.  She asked (laughingly) whether or not her policy covered the buttermilk, and the labor required to pour it, over the new roof when it was installed. I (laughingly) responded.... No.

  Since any growth at all on wood has deleterious effects, I'm wondering what is the justification behind promoting growth. Surely any benefit claimed of "moss growth": for instance, protecting a wood shake from UV or weather; would be more than outweighed by the moisture-retentive properties of the moss and consequent micro-environment conducive to the growth of even more destructive organisms?
  This thread has made my day! Thank you, everyone, for the comic relief!



claims_ray -> RE: Roofing or Landscaping? (8/18/2006 8:15:31 PM)

When I was a kid living in Iceland, we visited a church that had a sod roof with moss growing all over it.  This church was in the neighborhood of 1000 yrs. old. 



CATdawg -> RE: Roofing or Landscaping? (8/18/2006 8:20:31 PM)

quote:

ORIGINAL: claims_ray
When I was a kid living in Iceland, we visited a church that had a sod roof with moss growing all over it.  This church was in the neighborhood of 1000 yrs. old.

Um, Ray, are you suggesting that, "They don't make things like they used to"? Or are we all failed horticulturalists?

PS  Surely you are the only person in claims that can boast having lived anywhere near Reykjavik [sp]! How 'bout them vulcanism claims! Major lava engulfing whole towns! New real estate  formed within our lifetimes! Massive glacial melts! The IA heart swoons...



racko -> RE: Roofing or Landscaping? (8/18/2006 8:31:52 PM)

Deleterious: 

Adj.  Having a harmful effect

Please slow down, CatDawg...my head is getting deleteriouses looking up these new words! 



claims_ray -> RE: Roofing or Landscaping? (8/18/2006 8:47:21 PM)

I am sure that some other adjuster was a military brat growing up and has spent time in other countries that I have not been to before.  I also spent some time in Okinawa where I first encountered Tropical Cyclones.
I am sure that if desired we could reproduce the construction from back then, but imagine the cost!



Medulus -> RE: Roofing or Landscaping? (8/19/2006 12:21:11 AM)

I was pastor of the Conyngham, Drums and Black Creek United Methodist Churches in the Conyngham Valley in 1983 to 1986.  I agree about the trout fishing, but the major creek through the valley, Nescopeck Creek is filled with mine acid.
I don't remember ever seeing this building, but it probably belongs to one of my former parishioners.  They were an independent and often creative bunch.  One of them was a shrewd farmer who had cornered the market on crown vetch, and did quite well for himself as a result.
We all know what the courts would say about this.  If there is a question of coverage, it would be settled in favor of the insured. 



Page: [1]

Valid CSS!




Forum Software © ASPPlayground.NET Advanced Edition 2.4.5 ANSI
6.054688E-02