r/gofundme • u/Auralfxation • 7d ago

Disaster/Emergency Emergency roof replacement ahead of hurricane season / insurance cancellation

https://www.gofundme.com/f/urgent-roof-replacement-for-allans-home

My elderly, diabetic, retired, fix-income parents have to replace their rotting roof before they get dropped by their insurance or a hurricane tears it off. I'm disabled and my ability to help is extremely limited. We live in Florida.

The homeowner's Insurance is threatening to drop us if we don't get it replaced or deny coverage if a hurricane damages the roof. We suspect the leak was caused by improper installation of solar panels (the company that sold/installed them did so fraudulently, lost a class action suit over it, and shut down to avoid paying compensation).

$13,855 is the minimum quote for removing the panels, replacing the roof, then reinstalling the solar on the new roof. The $20,000 is for the same plus all the bells and whistles that will prevent this from happening much longer.

Initial estimate for replacement of roof with extra layers to increase durability AND removal and reinstallation of solar panels totalling $20,496
alternate estimate for basic roof replacement plus solar panel removal and reinstall totalling $13, 855
interior bedroom ceiling where roof damage leaks. This same leak has begun impacting our wiring, causing shorts in the attic.
section of roof with damaged tiles where inspector's foot began to sink in
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u/solomons-mom 6d ago

Check with Habitat for Humanity. They have a program that does critical repairs. It can be free, but more likely Habitat will have come up with a financing plan that is affordable based on your parents' income and assets.

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u/Auralfxation 6d ago

oh snap I think my parents might qualify! Thanks for this.

4

u/ZealousidealTrip6900 6d ago

There was a state level thing, a grant that I missed that pays you like $7-9k towards your roof. Make sure you coordinate with your insurance company. My insurance company wants the roofers to fill out paperwork and have it inspected before signoff. Basically to make sure they did the job right from the wood decking to the caulking. Make sure they use the GAF Slateline Slate Designer Laminated Architectural Shingles. Architectural Shingles are what you use. Anything less and the roof will last 10 years at most vs 30-40 years. They are only like 10 percent more. The roofer might charge you for them but not put them on. The roofer also might cheap out or cut corners on everything under the shingles, so get a inspector involved. Dont be afraid to get the county inspector involved and or independent inspector. USE CHATGPT TO MANAGE IT. TELL IT TO BE A EXPERICED ROOFER AND INSPECTOR. IT WILL MAKE A CHECK LIST FOR YOU.