The Aftermath

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The Aftermath

We’ve all seen the damage suffered in last week’s ice storm, but Bo Knox, with Georgia Subcontracting Professionals (GSP), talks about some of the headaches that might not be as apparent to homeowners as downed tree limbs.

 

Metro Spirit: What are you seeing the most of?

Bo Knox: Just roof damage. I mean, I have one lady, she’s got brick retaining walls and a brick fence that’s crushed. It’s a $100,000 job to go in and repair those things.

MS: $100,000?

Knox: There are established gardens and those must be dug out because of the retaining wall. So it’s almost 40 feet of brick retaining wall with a big nice garden in it. A tree hit it, crushed it. That’s not something that can be patched. The whole side of her yard is brick fence in three different spots and, I mean, it’s like see-through brick, lattice brick, all detail work.The other side? Same thing. Crushed. It’s insane man.

When all is said and done, she has a living room ceiling to be done, a roof to be redone, it’s about a 50-square roof, probably $10,000. She’s got some fancy wrought iron design that rides these little brick walkways. I don’t know where we’re going to find it, but it got hit.

MS: What’s the value of the home?

Know: I would think that house is around 180 or 200.

MS: And she has $100,000 worth of damage?

Knox: Well, the problem is when it comes to an insurance line item they have to put it back like it was. The homeowner has some 40-50-year-old azaleas and 40-50-year-old boxwoods and all. Well, they can’t come back and stick a three-gallon plant in the ground. That one shrub is going to be 150 bucks.

You have to replace and put back like it was. That’s what insurance is supposed to do, put back as it was. They can’t come back and stick a little shrub in the ground; they’re going to have to buy like 7- and 8-gallon and 15-gallon plants for what we have to tear out. Tear out is the big deal too. There will be $15,000 in us going over there just trying to get those walls out.

The other problem is matching brick. The house was built in the ’60s, so to match the brick is going to be a challenge. If we can’t match the brick, then it has to come out and you’ve got to go all new. To have to put the yard back, it goes into landscaping, demo, brick work, foundation work.

As a licensed general contractor, if we pull it apart and there are underlying issues, I can’t put it back without putting the right base and structure in. So it may be putting geo grid back in to hold the retaining walls up, it can get huge.

  • Rai Peraza

    Unfortunately many homeowners fail to review their policies and instead base their decision on pricing and not coverage. Mr. Knox was wrong in stating that insurance companies MUST restore homeowner to the way they were previously. Replacement coverage is more costly and many homeowners opt for lessor coverage known as ACV – Actual Cost Value – which is replacement cost minus depreciation.

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