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home owerners insurance and blown off roof! please help me?

two years ago i had contacted my home owners insurance about my roof leaks. They came out and said that there wasn't anything they could do because it was caused from wear and tear, since then we have done a few minor repairs, because funds haven't been there to do major. We had a huge gas line leak in 2009 that cost us over 4000 to fix. Then hubby lost his job 2 months later. We have been struggling to get on our feet. With taxes this year we had intended to have someone come out and repair it. We have an estimate and everything. Just waiting for the money. Well yesterday here in arizona there were some major winds.. i think they said 75 mph. This process has torn the roof off of the add on. and before we could get up there to tarp it, the rain came. the ceiling has collapsed and water is everywhere. I called my insurance company. The adjuster was an a++. he started to belittle me for not having the roof completely repaired in the last 2 yrs. and wanted to know if i had replaced anyceilingg tiles in the playroom (add on). when i told him i only replaced two major ones, he seemed to get more pissy. Where do they think i have the money from? im fixing it little by little. Will my insurance cover this? how do i ensure that it does? My daughters bed is ruined, and so are some of their unopened christmas toys that were down there. What are the proper steps i need to take or bring up to make sure this is covered?

Asked By: Missymae - 1/22/2010
Best Answer - Chosen by Asker
It doesn't matter that the roof was not replaced instead of just "repaired''. This is a different claim, There for the insurance needs to address the claim as new. Are they using their own adjuster or a private adjuster? Remember that the insurance company will try to get by paying as little as possible. If you cannot... More
Answered By: Clint - 1/22/2010
Additional Answers (3)
Your policy will tell you what you are paying for--insurance is a pain but this this what they give you the policy for. And each Insurance company has their rules and regulations.
Answered By: skw60 - 1/22/2010
 
Call your agent to see where your case is, If no satisfactory answer, or stalling occurs, contact your State Insurance Commmissioner. If this fails to help, another alternative is to contact the local newspapers to tell your story. Insurance companies hate bad publicity. Good luck.
Answered By: Handey Randy - 1/22/2010
 
Just two weeks ago I made a claim to my home insurance because my house was leaking and they ask me the exact date when the damage was done. I gave them a date and they send a adjuster with in Four days, he look in the roof and told me that it needed to be replace so he made and estimate and tell me if i was ok with... More
Answered By: lula - 1/22/2010
 
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