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Posted

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

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Posted
5 hours ago, smokebomb said:

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

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What a weird branding choice.  

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Posted
8 hours ago, smokebomb said:

An FYI for anyone springing for a new roof - if you can afford it, look at getting the new grade 4 shingles that are available. They have the same impact resistance as metal roofs but are not as expensive. The Malarkey ones we installed are still pricey but we got over a 33% reduction in our insurance premium because of them. It highlights just how much hail & roof replacement is affecting insurance costs here in Texas.
 

Also note that some of the insurance customer support people aren’t aware of the discount - the rep I talked to said it wouldn’t matter but gave me the form to submit anyway. After submitting the documentation, the insurance company came back with the reduced cost. 

I had my roof replaced last year, and even though I got the upgraded shingles and the waterproof membrane on my entire roof instead of just the valleys, it turns out the plywood that was installed decades ago was not thick enough to meet the fortified roof standard, and it would have cost a fortune to replace every sheet of plywood on my roof to get the fortified certification that reduced my homeowners premium.  

 $4K for ins, but in New Orleans that is a bargain.

 

 

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Posted
On 5/23/2025 at 3:04 PM, Slacks said:

Increasing Insurance costs and the increasing likelihood of flooding in Houston is what is going to drive me to move. I've thought about where to go next... I'm going to miss Houston. 

You shouldn't. Miss Houston, that is...

Posted

Probably won't apply to a whole lot of you (maybe some of your kids) but UWM has rolled out 5/1 ARMs for FHA and VA that run about a point lower than standard 30 years.  Buzz me if you want me to take a look at some numbers for you/your kids/your sugar baby

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