homeowners insurance and roof repair..what do i do to ensure it is covered?
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
Your claim can go either way. The claim rep will have to decide. Be sure to mention that the wind blew the roof off. Just put in the claim and let them decide if its covered... More
Answered By: car253 - 1/22/2010
Additional Answers (1)
OK, if you never fixed the old roof, it's possible that the insurance won't cover it. Regardless of your financial situation (and isn't everyone strapped these days?) it's your responsibility to maintain your house in working order - including the roof... More
Answered By: mbrcatz - 1/22/2010
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