So far outside the box you can't even see the box from here.
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Monday, June 24, 2013
Emergency Roof Repair
I just spent two days helping a friend with emergency repairs on his garage. The emergency was not caused by storm damage or any act of God. This one was caused by the abrasive action of a mortgage company rubbing against an insurance company.
My buddy is starting a new job soon, but right now funds are tight. He told his mortgage company he'd be a month late with the payment.
His reward for being up front with them? They sent an inspector to his property to see if it was occupied. ($30 fee for that) The inspector noticed the garage roof was in rough shape. The mortgage company notified the insurance company. The insurance company threatened to cancel the house insurance if the garage wasn't repaired. No insurance, no mortgage, no house.
Here's the thing. My friend knew his garage is in bad shape. It's bad enough that it would cost more to fix it than to build a new one. He plans on tearing it down in a year or two. In the mean time, it's full of stuff that will take time to find new homes for. A lot of it is stuff his wife's kids have placed there until they could settle in at new places of their own.
My buddy, myself, and another friend gathered together a pile of materials we and other people had donated. Then we tried to get the most visual impact from our limited materials. The whole roof is well past it's due date. Even the plywood under the shingles is too weak to walk on. We reinforced a couple roof beams and replaced some plywood before anyone could go up on the roof -one guy, and only in the repaired area.
In the end, we patched the worse area where a neighbor's tree had fallen on the roof. Most of the eave boards on one side was replaced. It looks much better than it did, but we hope the inspector doesn't get too fussy.
Now if the guy had a paid off house, there would not have been a nasty mortgage company to deal with and he could have told the insurance company to bug off. Of course, few people, including me, have paid off houses. The system can jerk us around -another penalty for being in the working class.
I live in an area of NH known as the Great North Woods. I'm in my dome-i-cile out in the county with my lovely wife and a varying number of family and friends
-part red neck, part hippie but all country. Experimenting and enjoying the adventure of life.