leaky roof old/new ? no clue

Submitted by Anonymous (not verified) on Thu, 11/15/2007 - 05:05

What are the ajuster's looking for. And in what way's will they be blowing me off,OH no we cant pay because-.....any and replys please''

Posted: 15 Nov 2007 12:17 Post Subject:

Good morning Cory and welcome !

in what way's will they be blowing me off,

Come on brother what do you mean blowing you off? Why is your roof leaking? They will find out...How long has it been leaking? There are tell tale signs about nearly any damage that will show if it is new or fresh or has been going on slowly (maybe) over an extended period of time.

Most Homeowners policys will have phrases in them similar to this, ''all losses covered by the perils of this policy must be sudden and accidental'' NOT gradual deterioration...see the difference?

Generally for a leaky roof to be covered there would've had to have been damage to it caused by an insured peril listed in your policy...such as wind, hail, fire, tree falling on the house...see? If the roof is leaking because you have old shingles that should've been replaced years ago..no coverage...maybe the leak isn't even actually coming in thru the roof but the guttering, or soffet (i think i spelled that wrong)....

What does this mean?

OH no we cant pay because



Please explain your problem more clearly and hopefully we can be of more assistance to you...

Posted: 19 Nov 2007 02:35 Post Subject:

I think Lori said it all. You either have one or two things going on, either a sudden loss or a "maintenance issue". Most maintenance issues ...........well any maintenance issues will not be covered. Think about it for a second, would you really want an insurance company to cover you for a maintenance issue?? Before you answer that, think about the amount of premium you would have to pay. Everyone would be making claims. Just food for thought. Keep yourself up to date on as many issues as possible concerning the condition of your home. That way, if a problem Do arise, you will know exactly what happened. Most of the time, (i did say most of the time) when you are up to date on your maintenance issues, there will not be such a huge contrast in what you are seeing and what the adjuster is seeing. I do believe most adjusters are honest, but they must also protect the company from overspending on petty and fraudulent claims.

Posted: 19 Nov 2007 07:29 Post Subject:

Hi cory, the nature of the damage will determine whether you will get compensation for it or not? The standard homeowners policy will cover you from the damages caused by the perils listed in the policy document but at the same time it states, the damages should be unforeseen and accidental. Therefore, you need to throw some more light upon the kind of damages you suffered.

Thanks,
InsAmi

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