Well it all started last June when we had a hail storm come through. We were not home but I saw lots of roofing being done last summer. I was talking with a neighbor this spring and he mentioned that he was having his insurance adjuster out to look at damage. He found out they are putting a new roof on his house and polebarn.
We have 4 buildings on the property. (House, Pole Barn, 1.5 car garage and 2 car garage) all of various ages ranging from 1962 to 1999. The pole barn and 2 car garage are steel roof and pole barn style siding. The house and 1.5 car garage are the oldest buildings and they are 3 tab shingles with residential steel siding about 20 years old.
So we called our insurance company and started a claim to get the inspector out just slipping in under the 1 year anniversary of the storm. I was there when the inspection happened and just got the report back and the approved the following work.
House - Full roof replacement, Siding on 2 walls, Leaf Guard Gutters, down spouts, deck, awning over one window and window well covers
1.5 car garage - Full roof replacement, Siding on 2 walls, outdoor yard light
Pole Barn - This has pretty thick steel roof so they couldn't find any dents. However new rain cap on my chimney for the wood stove.
2 car garage - Some trim was the only thing noted.
I was working with a contractor and they took a sample of the residential steel siding and sent it off to a lab. In Minnesota if you have siding damage the insurance company can can get away with replacing only the damaged side if the siding doesn't match now or if the original siding is still available. The contractor said that steel siding changes up every 8 years or so. Ours is at least 20 years old so he said they will have to do the entire house. We are waiting on the report back right now. Everyone we have spoken with has said the entire house will be done as well as the 1.5 car garage.
So in talking with my wife this changes things a bit for us. The next home remodel project on the to do list was to update the kitchen. That project was going to include replacing the 2 windows in there with the knowledge that we have about 20 windows that are nearing end of life and due for replacement. Not to mention the front door. We were going to do windows as we worked around the house addressing a room at a time. However with the siding coming down, now is a better time to address all the windows at once and front door. Also further down our list of projects on the house was to get rid of the tuck under garage which we never use. The door opening is only 6.5' tall so the truck doesn't fit there so it is useless and a waste in heating in the winter because it isn't insulated that well. Then I would like to add an attached 3 car garage off our porch. In talking with my wife she agreed that this would be a good addition. It also makes sense to do it now because the roof will tie into the existing roof on the house and then the siding will tie in. My wife is an architectural drafter and works on new construction custom homes. So she has been working on plans for the new garage. I have a buddy that is a structural engineer at a big engineering firm so we are going to be chatting. We are not in a rush to close off the tuck under garage unless the city makes us do it with the new construction of the attached garage on the back of the house. It will mainly be storage/office space. The basement is all block wall so we can figure out how we will do that work later. The current projects on the house are going to be expensive enough. While we have a pretty sizable insurance check, it is just a drop in the bucket in the big picture on the construction costs we are looking at.