Current owners are balking at fixing the roof if their insurance company won't cover it, which of course they won't because the hailstorm that caused much of the damage was in 2023. I'm not paying $35k over and then immediately dropping five figures on a new roof. There's a good chance we won't even be able to get an insurance policy without a new roof first, so they can kindly go fuck themselves if that's how they want to play, there are several other good options that popped up this week.
why be kind?
Fair question.
Supposedly their insurance adjuster and roofing contractor were at the home yesterday, so we should know more soon. We've given them until 5pm tomorrow to respond. We're getting our house deep cleaned tomorrow morning and then photos done in the afternoon, the plan is to list Thursday assuming they agree to fix the roof. If not, it seems we'll be delaying listing until we've found another option.
We've had two homes in our neighborhood go up for sale in the last 3 weeks, and both were pending by the following Monday. Here's hoping we can continue the trend.
The appraisal came back on the new home - $15k over the purchase price, even though we paid $35k over. I thought they'd listed it too low, but that helps confirm. Their realtor done fucked up.
coogles wrote: ↑Tue Jun 10, 2025 11:53 am
The appraisal came back on the new home - $15k over the purchase price, even though we paid $35k over. I thought they'd listed it too low, but that helps confirm. Their realtor done fucked up.
6-7% miss. Hard when you shopping 3/4 millie houses. So, does this change your roof math at all?
Desertbreh wrote:
I'm happy for Brad because nobody jerks it to the Miata harder on this forum and that is the Crown Prince of Miatas.
D Griff wrote:
Inserting 'nobody jerks it harder to the Miata than Brad' quote.
golftdibrad1 wrote: ↑Tue Jun 10, 2025 12:06 pm
6-7% miss. Hard when you shopping 3/4 millie houses. So, does this change your roof math at all?
3/4 millie indeed. Makes me queasy.
I suppose the appraisal does change the a bit, but with the roof in its current condition, obtaining a policy will almost certainly be both more difficult and more expensive. Our insurance agency has the inspection report and now so will any insurance company. If the insurance company sends someone out to look at the home in person after we close and they determine the roof is bad enough, they could cancel the policy. That roof really needs to be repaired before we go to close, one way or another.
golftdibrad1 wrote: ↑Tue Jun 10, 2025 12:06 pm
6-7% miss. Hard when you shopping 3/4 millie houses. So, does this change your roof math at all?
3/4 millie indeed. Makes me queasy.
I suppose the appraisal does change the a bit, but with the roof in its current condition, obtaining a policy will almost certainly be both more difficult and more expensive. Our insurance agency has the inspection report and now so will any insurance company. If the insurance company sends someone out to look at the home in person after we close and they determine the roof is bad enough, they could cancel the policy. That roof really needs to be repaired before we go to close, one way or another.
Yea
Can you see how long they have been in the house so you can spitball their equity position? Just from a 'how likely are they to pay' POV, if they have a strong position in the home its more likely to happen IMHO vs if they are on a shoestring and wont have the cash.
Desertbreh wrote:
I'm happy for Brad because nobody jerks it to the Miata harder on this forum and that is the Crown Prince of Miatas.
D Griff wrote:
Inserting 'nobody jerks it harder to the Miata than Brad' quote.
coogles wrote: ↑Tue Jun 10, 2025 11:53 am
The appraisal came back on the new home - $15k over the purchase price, even though we paid $35k over. I thought they'd listed it too low, but that helps confirm. Their realtor done fucked up.
Sorry if I missed it......what is the purchase price if you don't mind?
Detroit wrote:Buy 911s instead of diamonds.
Johnny_P wrote: ↑Thu Feb 09, 2023 3:21 pm
Earn it and burn it, Val.
max225 wrote: ↑Mon May 01, 2023 5:35 pm
Yes it's a cool car. But prepare the lube/sawdust.
Can you see how long they have been in the house so you can spitball their equity position? Just from a 'how likely are they to pay' POV, if they have a strong position in the home its more likely to happen IMHO vs if they are on a shoestring and wont have the cash.
They've lived in the home since 2019 and bought it for $485k, but they've also put a lot of money into it since then. They moved the kitchen to what was like a four seasons room/second dining area, built out the full master bath and closet where the kitchen used to be, and renovated all of the other bathrooms (full upstairs and half baths on the 1st floor and in the basement).
If they've already paid for those renovations they should be sitting on a lot of equity, but if they leveraged themselves to the to pay for it all they may not have the cash to pay for the roof out of pocket. I dunno.
Can you see how long they have been in the house so you can spitball their equity position? Just from a 'how likely are they to pay' POV, if they have a strong position in the home its more likely to happen IMHO vs if they are on a shoestring and wont have the cash.
They've lived in the home since 2019 and bought it for $485k, but they've also put a lot of money into it since then. They moved the kitchen to what was like a four seasons room/second dining area, built out the full master bath and closet where the kitchen used to be, and renovated all of the other bathrooms (full upstairs and half baths on the 1st floor and in the basement).
If they've already paid for those renovations they should be sitting on a lot of equity, but if they leveraged themselves to the to pay for it all they may not have the cash to pay for the roof out of pocket. I dunno.
Its prob leveraged geven the scale of the upgrades. Welp, time will tell - good luck.
Desertbreh wrote:
I'm happy for Brad because nobody jerks it to the Miata harder on this forum and that is the Crown Prince of Miatas.
D Griff wrote:
Inserting 'nobody jerks it harder to the Miata than Brad' quote.
Why does your insurance company have a copy of your inspection report anyway? That is not common practice here at all, and I don't want it to be. Sounds like another pain in the ass.
Desertbreh wrote: ↑Wed Jun 11, 2025 11:32 am
As a former flyover man, I think I speak for the group when I request the listing on this nasty bitch/see what the Indy elites are doing these days.
It's a nice house, don't get me wrong, but it's nowhere near as impressive as you're making it sound.
I'm not going to share our house specifically, but this one is super comparable, ours just has a fourth bedroom.
Desertbreh wrote: ↑Wed Jun 11, 2025 11:32 am
As a former flyover man, I think I speak for the group when I request the listing on this nasty bitch/see what the Indy elites are doing these days.
It's a nice house, don't get me wrong, but it's nowhere near as impressive as you're making it sound.
I'm not going to share our house specifically, but this one is super comparable, ours just has a fourth bedroom.
Desertbreh wrote: ↑Wed Jun 11, 2025 11:32 am
As a former flyover man, I think I speak for the group when I request the listing on this nasty bitch/see what the Indy elites are doing these days.
It's a nice house, don't get me wrong, but it's nowhere near as impressive as you're making it sound.
I'm not going to share our house specifically, but this one is super comparable, ours just has a fourth bedroom.
Got it. I grew up in a neighborhood like this in Wichita called "College Hill" Here is a house for sale that is the next block over from my abode from age 1-12. Not quite hittin that Indy level of
Desertbreh wrote: ↑Wed Jun 11, 2025 2:23 pm
Got it. I grew up in a neighborhood like this in Wichita called "College Hill" Here is a house for sale that is the next block over from my abode from age 1-12. Not quite hittin that Indy level of
I love old houses like this. Charming AF! I prefer this over anything built in the last 30 years!
I like some things about the houses better for sure, although there are some positive things about new construction too. Our reason for moving back has way less to do with the houses than it does how the place was built.
This neighborhood was built around the streetcar back in the early 1900s. There are little commercial nodes with things to walk to mixed into the neighborhoods, and the schools are nestled in the neighborhoods instead of being on a major road with nothing other than vehicle access. Our kids' school will be .4 miles away. They'll be able to walk!! The apartment buildings are small and fit into the fabric of the neighborhood instead of being these big hulking things off the interchange. Getting to the office will now take me 15 minutes instead of 45.
The United States by and large hasn't built neighborhoods like this since before WW2. Everything built now with the exception of a new urbanist development here or there is 100% auto-centric. I love cars, but I don't always want to NEED a car for every little thing.
I love old houses like this. Charming AF! I prefer this over anything built in the last 30 years!
I like some things about the houses better for sure, although there are some positive things about new construction too. Our reason for moving back has way less to do with the houses than it does how the place was built.
This neighborhood was built around the streetcar back in the early 1900s. There are little commercial nodes with things to walk to mixed into the neighborhoods, and the schools are nestled in the neighborhoods instead of being on a major road with nothing other than vehicle access. Our kids' school will be .4 miles away. They'll be able to walk!! The apartment buildings are small and fit into the fabric of the neighborhood instead of being these big hulking things off the interchange. Getting to the office will now take me 15 minutes instead of 45.
The United States by and large hasn't built neighborhoods like this since before WW2. Everything built now with the exception of a new urbanist development here or there is 100% auto-centric. I love cars, but I don't always want to NEED a car for every little thing.
I think you just encompassed why I love old houses and hoods like that!
Well put! I love cars, but I also despise having to commute in them for anything. It’s rather annoying.
Desertbreh wrote: ↑Wed Jun 11, 2025 3:49 pmOh man. I know you have three kids, but you would just be a slave to this thing. The taxes, utilities, maintaining 6K squares.....ugh.
Never even remotely under actual consideration, I just think it's a beautiful house. Our drop-dead budget max was a self-imposed $850k.
The sellers have officially agreed to replace the roof and repair the sewer line. The other items somehow miraculously fell under the $1k minimum we agreed to (waiting on written estimates), but whatever. We got the two big ticket items covered.
Desertbreh wrote: ↑Wed Jun 11, 2025 3:49 pmOh man. I know you have three kids, but you would just be a slave to this thing. The taxes, utilities, maintaining 6K squares.....ugh.
Never even remotely under actual consideration, I just think it's a beautiful house. Our drop-dead budget max was a self-imposed $850k.
The sellers have officially agreed to replace the roof and repair the sewer line. The other items somehow miraculously fell under the $1k minimum we agreed to (waiting on written estimates), but whatever. We got the two big ticket items covered.
just make a punch list you'll never get to as is tradition with all house shit
Desertbreh wrote:
I'm happy for Brad because nobody jerks it to the Miata harder on this forum and that is the Crown Prince of Miatas.
D Griff wrote:
Inserting 'nobody jerks it harder to the Miata than Brad' quote.
Desertbreh wrote: ↑Wed Jun 11, 2025 3:49 pmOh man. I know you have three kids, but you would just be a slave to this thing. The taxes, utilities, maintaining 6K squares.....ugh.
Never even remotely under actual consideration, I just think it's a beautiful house. Our drop-dead budget max was a self-imposed $850k.
The sellers have officially agreed to replace the roof and repair the sewer line. The other items somehow miraculously fell under the $1k minimum we agreed to (waiting on written estimates), but whatever. We got the two big ticket items covered.
Where are these mangos?
Detroit wrote: ↑Fri Apr 16, 2021 1:19 pm
I don't understand anything anymore.
a bit, but with the roof in its current condition, obtaining a policy will almost certainly be both more difficult and more expensive. Our insurance agency has the inspection report and now so will any insurance company. If the insurance company sends someone out to look at the home in person after we close and they determine the roof is bad enough, they could cancel the policy. That roof really needs to be repaired before we go to close, one way or another.
to pay for it all they may not have the cash to pay for the roof out of pocket. I dunno.
The apartment buildings are small and fit into the fabric of the neighborhood instead of being these big hulking things off the interchange. Getting to the office will now take me 15 minutes instead of 45. 
enough.
Our drop-dead budget max was a self-imposed $850k.
