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<blockquote data-quote="riverview" data-source="post: 133206" data-attributes="member: 1268"><p>I got a good ins story, 3 years ago in the fall I get baseball sized hail, roof steel siding, vinyl window frames on 3 5x5 windows 2 patio doors, house and garage measure 26x78 house is 2 story with 8/12 pitch, house had shingles and garage had steel roof. got a check for 24k (told ins company I thought check was 10 to 15 k short)&nbsp; went to deposit it. couldn't because lenders name on check. send checks to lender, I was told by lender to get estimates with contractors lic # and copy od liability ins when the contractors are half done the bank will send a inspector out and another inspector on completion) they will issue checks after inspections I tried&nbsp; to get estimates and nobody shows they didn't want to mess with the payment schedule I decided to pay the house off and it was a total pain in the ass to get my 24k back from them come spring I hire a hourly carpenter and me and my hired men side replace windows and roof. materials and the carpenters labor cost 26k, after completion I get another 3500. try to get myself and 2 hired men labor and couldn't. ended up costing me 3 grand in labor to my hired men. few weeks after we finished I was finishing cleaning up mess and scaffolding. get hailed again, north side of house and roof. ins cuts me a 18k check and drops me.</p></blockquote><p></p>

[QUOTE="riverview, post: 133206, member: 1268"] I got a good ins story, 3 years ago in the fall I get baseball sized hail, roof steel siding, vinyl window frames on 3 5x5 windows 2 patio doors, house and garage measure 26x78 house is 2 story with 8/12 pitch, house had shingles and garage had steel roof. got a check for 24k (told ins company I thought check was 10 to 15 k short) went to deposit it. couldn't because lenders name on check. send checks to lender, I was told by lender to get estimates with contractors lic # and copy od liability ins when the contractors are half done the bank will send a inspector out and another inspector on completion) they will issue checks after inspections I tried to get estimates and nobody shows they didn't want to mess with the payment schedule I decided to pay the house off and it was a total pain in the ass to get my 24k back from them come spring I hire a hourly carpenter and me and my hired men side replace windows and roof. materials and the carpenters labor cost 26k, after completion I get another 3500. try to get myself and 2 hired men labor and couldn't. ended up costing me 3 grand in labor to my hired men. few weeks after we finished I was finishing cleaning up mess and scaffolding. get hailed again, north side of house and roof. ins cuts me a 18k check and drops me. [/QUOTE]

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