Paid Off

[Moparnut72]

I just sent in a check for the balance on my Navale. I am surprised to have been able to do it in a year. Between all the dealer fees and California taking more than its pound of flesh I wound up owing a lot more than I thought I would. Anyway nice to be debt free as far as motorcycles go. Next is the roof, I could have bought a new Harley CVO for what the roof cost.
kk

[sdcr]

Reroofing in California is around $45,000?

[MerleLowe]

I paid for a new roof in Georgia last year, but it was closer to the price of a V85TT. 

[sdcr]

I paid for a new roof in Georgia last year, but it was closer to the price of a V85TT.

About $7500 for a 2300square foot shingle roof, in 2019.

[Moparnut72]

Not quite a CVO but $30,000. Complete tear off of three layers. Best shingles money can buy and additional vapor barrier on a fairly large amount of square footage. All of this on a 12/12 roof. That's why I didn't do it myself. Old house with next to nothing for insulation, cold in the winter blazing hot in the summer, trying to alleviate these conditions as much as possible also some structural repair. I could have had it done cheaper but no regrets.
kk

[yrunvs]

You can still ride gas powererd motorcycles in california?

[mechanicsavant]

Good idea , the roof will probably outlast the CVO too .

[guzziart]

Glad to hear your roof replacement is now paid in full.  On another related note, I thought my homeowners insurance was getting to be too pricey so I requested the agent to see if a less expensive rate was obtainable.  I was able to get a more get a more preferable rate with a different company but was told that many insurers do not want to take on new customers that have a roof more than 10 years in age.  My roof is 12 years old.  I wonder at what point this insurer drops me because my roof is too old. 

My former insurance company has received decades of premiums from me, where a claim has never been submitted, it makes good sense to raise my rate to encourage me seek refuge somewhere else.  Afterall, now that I've paid in all those years they wouldn't want to part with any of that dough now, it just aint good business!  So, yeah, they ran me off....imho.

Oh well, at least I've got a roof over my head... being more fortunate than some.

Art

[Moparnut72]

It was the Mandello I paid off, only took me a year. The extra money will now go into the roof loan. Shouldn't take too long for it either. The bike loan had the highest interest rate.
kk

[AJ Huff]

I paid for a new roof in Georgia last year, but it was closer to the price of a V85TT.

Roof in Blairsville cost me 10 grand in 2018. Got to be at least 5k more now.

-AJ

[moto-uno]

  And just how thick is the insulation going to be under the roof ? A life time in the "Great White North" demands I ask 

[Moparnut72]

It wasn't insulation as such but a high quality vapor barrier. I was doing anything I could to make things better, it isn't unusual to see 90* in
the upstairs bedrooms in the summer. Due to extreme electric rates an air conditioner is out of the question. Winter isn't too bad, we have pellet stoves downstairs and upstairs. The price of pellets has actually gone down a bit this year, surprising.
 I probably didn't need to do it but I went with the highest heavy duty shingles available with a lifetime replacement guarantee.
kk

[twowheeladdict]

I've roofed my own houses, or had them replaced due to hail damage. 

This is another thing that sucks about getting older.  There are just some things I won't be able to do myself anymore. 

If and when this roof needs to be replaced I am going with a metal roof to match all my other buildings.  My wife doesn't know this yet. 

[Moparnut72]

I would have liked to have done it myself but a 12/12 pitch would be too much. I understand the previous owner fell off and broke his hip. The house is almost a full two story so at the peak it is quite high. I was in construction when I was younger, working on high shaky scaffolding and roofs but no more. My main concern now is how much longer I can continue to ride.
kk

[blackcat]

If I could get someone to strip off the old shingles I’d install new shingles on my roof. With the self adhesive underlayment installed I would just take my time installing the shingles. And I’d likely do a better job than the local roofers who installed my last roof who I did not pay in full given their marginal workmanship.

[guzziart]

Yeah, I ain't doing any roofing.  I can't even clean the gutters without falling.  I thought I was at the last rung down on the ladder....nope, stuck leg out and caught a couple feet of air that knocked the wind out of me.  I layed there for several minutes wondering wtf happened but luckily I didn't break anything but was sore the next days.  You DIY's be careful up there!!

Art

[sdcr]

Yeah, I ain't doing any roofing.  I can't even clean the gutters without falling.  I thought I was at the last rung down on the ladder....nope, stuck leg out and caught a couple feet of air that knocked the wind out of me.  I layed there for several minutes wondering wtf happened but luckily I didn't break anything but was sore the next days.  You DIY's be careful up there!!

Art

It’s like playing Russian roulette when you are up on a slanted roof. Not just for us graybeards, as I know of at least three 30 something’s that took a tumble off of a roof. Only two can still talk about it.

[cliffrod]

Our new 22g standing seam roof was installed last Jan.   I’ve roofed, have all the equipment to do standing seam and planned to do this one.   Now I’m too old to do everything I used to do.  I budget the aches & pains for paying work, not saving a few bucks doing everything myself.

It wasn’t cheap. I suspect it would have been cheaper to hire a crew from New England where ss is just normal roofing work to come down and do it vs finding a local company that actually does standing seam & not just screwed metal.   

[moto-uno]

  If the top floor has a ceiling under the angled roof , I can't emphasize enough how much more effective your temp control will be if you can install R20 insulation on top
of your ceilings ( this is assuming your roof isn't also the ceiling) .

[Moparnut72]

The house was built in 1952 in two stages so what insulation it has in all the wrong places. No access to where it should be due to knee walls etc. It was built by a guy who was a WWll vet and a survivor of Iwo Jima. He was a contankerous old soul who did what he wanted and to hell with the authorities. There are numerous short comings as far as the building codes go but nothing that can't be lived with.
kk

[Bulldog9]

Being 'debt free' on the 'hobbies' is a SWMBO mandate, and one I adhere to because it is in my best interest, hence My adding of older and cheaper options.

When it comes to roofing, prices are ridiculous right now and shot up in the last 2-3 years. I did WAY too much roofing during my college years, it is one of the 'home repairs' I won't even attempt, and havent since I was in my early 50's. A 12/12 pitch is best left to the industry, just make sure they are insured. My buddy just had his roof done by an independent local guy who hires day laborers. One of the guys slipped, fell, and got seriously injured. The contractor had NO insurance, and my buddy's Home Owners Insurance is paying over $100K in medical bills..... Yes, his policy went through the roof and he almost got cancelled.

We are about to do an addition to the house, to include adding 4 car garage space. I'm dealing with contractor sticker shock..............

[blackcat]

“The contractor had NO insurance…”

NEVER let anyone work on your property without proof of liability and worker’s comp insurance. Depending on your location, demand that you be named in the documents so that any change in the policy, like cancellation, you will be notified by the insurance companies.

[Moparnut72]

Here in California contractor are by law licensed which ensures they have all the required insurance etc. When I was a subcontractor in Colo in the 70's and 80's no license required. We worked under a bigger company or someone who had a license. WE had no benefits, nothing. I had workers comp unemployment insurance on my employees. I had workers comp on myself but couldn't put unemployment on myself. When the economy crashed in the mid 80's I was SOL. I wound up bankrupt and not a nickel towards retirement except social security with which I had to match my own contribution. When guys say they want to work for themselves I caution them on the ups and downs. Speaking of building costs five years ago my garage/shop burned down, 20' by 30'. Including cleanup replacement was $40,000. Insurance covered only $23,000.
kk

[blackcat]

"When guys say they want to work for themselves I caution them on the ups and downs."

Yeah, I always chuckle when I see these contractors with brand new $80K pickup trucks.

[Tom]

Having a business license doesn't mitigate the risk of uninsured contractors.  Hawaii has a Compliance Express that anyone can access to check on contractors/businesses to see if they're legit.  They have health insurance, registered with Unemployment Insurance and have a Workmen's Comp. insurance account.  Their tax records are checked with the state tax depart.  Anyone can get a business license but being legit will entail all the requirements to operate as a business in Hawaii. 

[blackcat]

Having a business license doesn't mitigate the risk of uninsured contractors.  Hawaii has a Compliance Express that anyone can access to check on contractors/businesses to see if they're legit.  They have health insurance, registered with Unemployment Insurance and have a Workmen's Comp. insurance account.  Their tax records are checked with the state tax depart.  Anyone can get a business license but being legit will entail all the requirements to operate as a business in Hawaii.

That is the same in NYC and you also have to pay into a small bond so a consumer can access those funds for bad workmanship, etc. The bond isn't that expensive but I'd guess the price would change if someone tapped into that money. And the bond is mandatory, no bond no building permit and the same with insurance as the building department is named in the insurance documents so if you lose or drop coverage the building dept. knows and can void the permit.

[Tom]

The whole process while raising the costs of any contractor service prevents fly-by-night scammers that are present in disaster areas.  It also screens out "legit" contractors that claim to have independent sub-contractors working on the original contract and under bidding other legit contractors. 

A common practice for Lowe's and Home Depot.  They have sub-contractors that do the job and are referred by the big box stores but are they fully legit?  You as the homeowner are still on the hook for any workplace liability incurred at home.  Due diligence will prevent big time headaches and future lawsuits. 

[azccj]

I paid off my V100 Mandello S back in October. I bought the bike used so I didn’t get any special financing rate but used the same finance company that financed my V85tt. The interest rate was more than doubled for the V100, which was the motivating factor for me to pay it off after just 6 payments.

[Moparnut72]

I got mine in Oct a year ago. So it took me a year and two months. Even though I got a decent trade-in between dealer fees and outrageous California registration and license fees my cost was pretty high. Maybe I should have stayed on the Triumph but I got pretty disillusioned with it. Happy with the Mandello so not remorseful.
kk