UPDATE #1 at the end
FOLLOWED BY UPDATE #2
FOLLOWED BY UPDATE #3
I was just sitting here on the couch, minding my own business, when a gust of wind ripped the front awning off my house. And it's still windy. Part of the awning is lying in the back yard on the other side of the house. Two more sections are in the creosote bushes in the front garden, and one mangled piece is in the mesquite tree. I can't tell how much damage has been done to the roof.
Piece in the tree
Piece that was in the power lines across the street, then fell out of the wires.
Piece in the back yard. I heard this piece go over the roof and land. When I went outside to look, while I was actually on the phone with the insurance company, I only knew about this piece, not the others. I thought the other pieces were on the roof, still attached to the rest of the awning.
As you can see from these ^^^^ two pictures, the corrugations of the awning material are now parallel to the front of the house, so that whole section was twisted 90 degrees. The corrugation is supposed to be perpendicular to the front.
One of the supports is lying on the ground, barely visible, but there is another one that's missing entirely. Maybe it's on the roof??? I don't know where it is.
I have no idea how much damage has been done to the roof itself, if any.
The first time this happened, about ten years or so ago, the damage was not nearly as severe and insurance covered repairs. The crew was only able to make the repairs, however, because I had matching material on hand from another awning. That material is gone now.
There is really only one insurance company for manufactured homes here. When I had another small claim a couple years later for roof damage, the adjuster completely missed the far more serious damage going on under the loosened/missing shingles. It was so bad that the roofer who put on the whole new roof said it was a miracle that whole section of the roof hadn't caved in: it was completely rotten under the shingles. And yes I have pictures.
Right now I'm more than a little shaken. My dog, Moby, has been under the weather (bad turn of phrase) this past week with something called "old dog vestibular syndrome." He's recovering, but it's been an emotional drain. Now this with the awning. And there are some other issues going on that have me really stressed.
Fools on Twitter can expect no mercy!
Claim has been filed and I have emailed photos of the damage as best I can take them.
There also appears to be minor damage to the awning on the other side of the house, but so far as I can tell it's only some bent supports and maybe some of them ripped from the concrete. May be repairable, may not. I will get photos of those later, after the shade has moved over to that side of the house.
Adjuster called yesterday evening, asked some questions. He did not inspire confidence, since he didn't seem to understand exactly what kind of "awning" I was talking about. He acted like it was a canvas awning over a window! "No, it's metal and it's 60 feet long and about 12 feet wide," I said.
He did not say anything about coming out to look at the damage, but acted more like he was going to make a determination based on my photos alone. THIS IS NOT GOING TO HAPPEN.
He also asked what I was doing to prevent further damage. "Like what?" I asked. "There's nothing I can do. There are sheets of corrugated metal on my roof, and I'm not climbing up there to get them off. I have no way of anchoring any of the rest of it. I'm not going to risk doing MORE harm and/or possibly hurting myself."
It will be one to two business days before he looks at the photos, three to four business days before he makes a determination.
I am not a happy camper. And there is a possibility that I will be even less happy when this is over.
Adjuster called Wednesday afternoon, approximately 48 hours after damage occurred.
His first comment was that he had checked the weather report and there had been no high winds on Monday.
Me: "It was a sudden gust, a microburst, a dust devil, a mini-tornado. They happen all the time in Arizona. You think I just ripped that awning up by myself?"
He stammered a bit, then asked me if I had called a contractor to get an estimate.
"Uh, no. Was I supposed to?"
Adjuster: "Well, when you get a contractor to come out there and look at it, then he can tell if it was a gust of wind that did the damage. Then you can get an estimate and I can go ahead and figure out where we go from there."
Me: "Do I get an awning contractor and a roof contractor, too?"
Adj: "What do you need a roof contractor for?"
Me: "To determine if there's damage to the roof. You can see in the pictures I sent you that at least one part of the fascia board is exposed where the awning trim was ripped off. I don't know if there's more damage to the roof."
Adj: "Oh, there's roof damage, too?"
Me: "Yes. You can see it in the pictures I sent you."
Adj: (Looks at pictures again) "Oh, yes, I do see where it looks like some of the roof is lifted up."
Me: (Thinking, "No shit, Sherlock.")
Adj: "Well, I'm going to hand this over to a field adjuster and have him come out and take a look at it."
Me: "So do I still need to find a contractor? How do I find one that's approved by your company?"
Well, then he finally got the message that I wasn't going to go along with his shit -- he had not given me ANY indication how much they were going to offer to pay for the damage -- and said he would give the whole claim to a field adjuster who would be in contact with me within the next 24 hours and take it from there.
Me: "Is this field adjuster going to come out and actually look at the damage?"
Adj: "He'll make that determination."
We're now getting little gusts of wind, nothing more than a breeze really, but it's enough to rattle and bang the damaged material lying on the roof.
Update #3 - Friday afternoon
The field adjuster arrived at 10:00 a.m. this morning with a contractor who was qualified to assess all the damage.
The damage to the roof was far more serious than suspected. Part of the material that had been flung onto the roof had gouged a bunch of shingles. The corner of the section of the awning flung onto the roof, however, had punched a hole through the singles and through the plywood decking underneath!
The initial determination was that the whole front awning would have to be repaired. Then the adjuster noticed there were dents in the awning panels. HAIL!
I don't know if I posted pics here or just on Twitter, but last October we did have quite a hail storm and I went out onto the porch and took pictures.
Further examination of the front AND back awnings revealed extensive hail damage. Not only were virtually all the panels severely dented, but many had huge paint chips.
The adjuster asked me if I had ever noticed water dripping from the awnings, and I said yes, but I thought it was just condensation. When I pointed out the specific locations that I remembered having seen this dripping, he easily identified awning panels that were so badly dented that the waterproof joints were likely compromised.
There was also additional wind damage discovered to the back patio awning.
I don't know exactly how it's all going to work out, but two separate claims have now been filed, the one from Monday's microburst/dust devil wind damage, and now a second one for the hail damage from October. It may mean paying two deductibles, depending on how things are worked out with the contractor.
(Wind is banging the broken parts again already. It doesn't take much.)
The end result should be two completely replaced awnings. The saga is on-going, however, so we'll see.