What goes up must come down (through my roof, apparently)
January 7, 2014 10:58 AM Subscribe
Apparently on New Year's Eve some unknown moron shot his gun into the air. The bullet came down through our roof, punching a hole through the roofing itself (picture 1
, picture 2
) and then throught he ceiling of our guest room and into the exterior wall (picture 3
). The bullet itself is lodged somewhere inside the wall, buried in the insulation, and I am not inclined to tear open the wall just to find it. The police have been out to take a bunch of pictures and create a report, but obviously there is no way to track down the person responsible. Nobody was injured, thank goodness. The roofing inspector was just out, and it is going to cost about $500 to repair the roof damage. That work will be done tomorrow, so that any additional damage is mitigated before it rains. The repair inside is minor, just patch the two holes and touch up the paint.
posted by Lokheed to Home & Garden (15 answers total) 2 users marked this as a favorite
My question is this: Should I be calling the homeowner's insurance to notify them about this? The total repair cost is almost certainly either below or very close to our deductible, so I don't see any point in making a claim. On the other hand, I don't want to potentially have us in a bad position down the road if anything else comes up. I am paranoid about calling and asking directly, because I am afraid they will jack up our rates just for raising the issue. We are in Florida, if that makes any difference, and we have owned the house for eight years with no previous insurance claims.
Do I just repair the damage and chalk it up to the joys of home ownership, or am I missing something?