There has been a lot of damaged roofs here due to recent
hail storm(s). I have a question concerning HO insurance
coverage/settlement regarding these roof replacements.
As many of us, a neighbor will be requiring a replacement.
The neighbor currently has a layer of composition shingles,
with a layer underneath of wood shingles. Below that is the
typical roof slats usually found under a wood roof.
I was telling the neighbor that both shingle layers will requ-
ire removal, the roof re-decked with plywood, and then
re-roofed with the replacement composition shingles.
But, when asked if the insurance settlement will cover all
that work/expense, I really didn’t know. I know this could
probably be contingent upon the policy provisions, but in
general, would this extra work be covered?