HONOLULU (HawaiiNewsNow) - A Mānoa family remains in their damaged home weeks after Super Bowl Sunday winds tore metal shingles from their roof, as they wait for their insurance company to approve repairs.
Nicole Salmoiraghi said high winds blew about 100 metal shingles from her lower Manoa house into her pool and 200 feet down the street as water poured inside.
“This is our roof. The pieces that we were able to collect because a lot of it was scattered across the whole street,” Salmoiraghi said.
The metal shingles have sharp edges and rusty nails and made jarring sounds as they flew off and landed, she said.
“Every time a chunk would make this really loud tearing sound and the kids would jump. The dog would jump and it was like ahh, but we were scared to leave the house,” Salmoiraghi said.
Insurance delays worry family
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Salmoiraghi said she has two roofers ready to make repairs, but her insurance company told her an estimate for repairs may take “a while” and may not cover the full cost.
Mold has appeared in the damaged areas over the past three days, she said. Roofing paper covers the exposed areas as a temporary fix.
“We are stuck and waiting. We are stressed out,” Salmoiraghi said. “I’m very proactive. I’ve been on top of this from the beginning. Yeah it sucks.”
“It’s a little hard to navigate because it’s dropped in your lap and it’s very sudden and very disruptive,” said Sam Thomsen, investigations branch chief with the Department of Commerce and Consumer Affairs.
Thomsen said insurance coverage should include mitigation efforts like tarping the roof and water remediation.
“In this case, there would be coverage for mitigation efforts, tarping the roof, getting somebody in there for water remediation so those are conversations that the homeowner would want to have with their adjuster,” he said.
Another Mānoa resident is dealing with a large piece of aluminum siding that fell into their backyard from a neighbor’s house with no immediate way to remove it.
DCCA said licensed insurers are required to handle claims fairly and help consumers recover after a disaster. Consumers with delays or disputes can call 1-844-808-DCCA (3222) or visit http://cca.hawaii.gov/ins.
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