Age of roof will determine amount of insurance payment Play Video

By SONJA BAILES sbailes@ktbs.com

Posted: Nov 6, 2009 3:01 PM
Updated: Nov 7, 2009 12:25 AM

  Hours after last week's tornado blew through Bossier Parish, insurance claims adjusters were there to start processing claims. The entire claims process -- from assessment to payments to repairs -- will take much longer.

  The tornado, bringing winds up to 115 mph, was hit-and-miss: Some houses are only missing a few shingles but others lost their roofs.

  Janet and Jerry Gould, who live in the Brownlee section of Bossier City, were among the lucky ones.

  "God watched out for us, that's for sure," Mrs. Gould said. "We have a pear tree in the back that fell across our neighbor's fence and we had some water come in our game room in the back -- just from so much rain at one time." They also lost shingles.

  Within hours, the Goulds' insurance agent, Nora Brooks, was checking on them. Damage assessment teams were headed to Bossier.

 Those with the worst damage get priority.

 Claims representative Kevin Waller has been spending a lot of time on roofs, determining how much homeowners will get paid.

  Several factors come into play in determining how much is paid for a new roof: The extent of the damage; the age of the shingles and whether the roof is repairable or needs to be replaced.

  Insurance companies said claims are still coming in. Repair crews are working in the affected neighborhoods.

 State Farm officials said Friday they've gotten 800 claims.

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