Crushed Roof Insurance Claim – Kid Smashes 850 Roof!

Crushed roof insurance claim: an MVS member's 850 got its roof crushed by an idiot kid jumping onto it from above. What will Jim do?

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Not Jim’s 850, obviously, but hey it represents the deed. It’s from this shipwreck story.

As if there aren’t enough things acting against our Volvos, we now have a case of the Crushed Roof Insurance Claim. MVS Contributor JimBee:

A kid jumped from a garage roof onto the roof of my 93 (854 GLT 5 speed manual), denting it so the whole roof sags and is down about a half inch at the middle rear edge of the sunroof.

Insurance estimate to repair? $2700.00. In a case like that, since the metal around the perimeter of the dent can be stretched making it hard to pop back up, the standard fix is a new roof, repaint, etc.

Since the car isn’t worth that much, Allstate would total it. That’s my winter car; it does run great and still from 15 feet away it’s emerald green color and sport wheels give it some esteem, I would like to keep it and somehow rework the dent to get it leak-proof.

So I could buy it back for salvage value, which I likely would. Allstate has been good to me. I’ve had a couple of glass replacements and they provided immediate reimbursement. But now this.

My concern is what might happen to my insurance rates. Has anybody had similar experiences? Any thoughts?

A Kid Jumped Onto And Crushed An 850 Roof

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