Posted On: August 20, 2007, 4:02 pm CDT

Posted By: Bev Persley

Due to hail damage in my area, many houses are getting new roofs, gutters, etc. My neighbors' insurance companies gave an assessment and wrote a check for the total cost. Beware consumers- I have had Shield of Shelter since 1989. An incomplete estimate to replace the roof, gutters, and other items was given, $1600 noted as depreciation cost (which may or may not be recovered)and a check written for less than half of the total replacement cost.

I was told that once the roof has been installed with gutters, etc., a final check would be written. Unlike most of the other insurance companies Shield of Shelter does not write one final check.

I asked a hypothetical question: If my house burned completely down, what is your procedure. The insurance company would give me a percentage of the cost and the remainder when it was completed.

I am changing to a new company. They are too busy to answer all questions. My next question would have been, what if I sell my lot to my next door neighbor. Do I receive the full amount to rebuild on another lot or do I only get a percentage?