attached garage collapsed

[glencoll]

What is the name of your state? New Brunswick
I have an older home (>65 years), and it has an attached garage that recently collapsed. It is a single car garage 22 x 18, with a breezeway room (9 x 18) attached to the house.

A beam had broken and it partially collapsed. Luckly the car was not inside. I have contacted our insurance and they will be visting soon. I just wanted to get some advice from this forum. if they come back and say we think it can be fixed. I like to challenage because the roof trusses all broke, and the shingles have become damaged, etc. I am thinking do we want to trust an old garage to be repaired, I rather dump it and rebuilt an attached garage

 

[HappyHusband]

What is the name of your state? New Brunswick
I have an older home (>65 years), and it has an attached garage that recently collapsed. It is a single car garage 22 x 18, with a breezeway room (9 x 18) attached to the house.

A beam had broken and it partially collapsed. Luckly the car was not inside. I have contacted our insurance and they will be visting soon. I just wanted to get some advice from this forum. if they come back and say we think it can be fixed. I like to challenage because the roof trusses all broke, and the shingles have become damaged, etc. I am thinking do we want to trust an old garage to be repaired, I rather dump it and rebuilt an attached garage

Hmmm...I say take whatever money the insurance company gives you and put it towards whatever garage you want to build.

I also need to add....US LAW ONLY - WHEN POSTING A QUESTION, YOU MUST INCLUDE THE NAME OF YOUR STATE

 

[moburkes]

Yes, its up to you HOW you spend the money. The insurance company's only obligation is to pay for the repairs, minus your deductible. If they determine that it is more expensive to repair, because of the safely issues involved, then they will offer you a reasonable amount so that you can replace it.

 

[nextwife]

However, if there is a MORTGAGE in place on the property, the terms of the mortgage may be such that the property must be restored to it's condition at closing. Look over your mortgage docs.

 

[justalayman]

Does insurance even cover an old garage falling down due to age and lack of mainatianance? I though the only time they paid for damage was when it is damaged, like in a tree falling on it or a tornado wiping it out. Not simpley old age worn out building stuff.

 

[moburkes]

AHHHH! I can't believe that I missed that. This won't be covered. I didn't notice that no covered incident was listed.

 

[Country Living]

I'm not sure any of us know New Brunswick insurance laws.

 

[moburkes]

I'm not sure any of us know New Brunswick insurance laws.

I guessed that it was in NJ. Where is it?

 

[HappyHusband]

I guessed that it was in NJ. Where is it?

Canada.
http://new-brunswick.net/
It's a whole different country.

 

[moburkes]

Canada.
http://new-brunswick.net/
It's a whole different country.

Thanks for clarifying the country part, HH.

 

[glencoll]

I appoligize, yes I should have put the CA for Canada,
now, what if the beam broke because it was like a small hurrican outside. We had alot of super gusts, not like a torando or anything, but alot of wind.

this was a older garage, probably built by the previous owner many years ago. I hope insurance does not come back and say it was not the weather and that it was poor craftmanship. This building stood attached for over 35 years.

 

[moburkes]

US Law Only - WHEN POSTING A QUESTION, YOU MUST INCLUDE THE NAME OF YOUR STATE