by Guest » Sun Sep 14, 2008 11:15 am
i received roof damage to the front 1/2 of my house yet the roof is 18 yrs. old. the adjuster placed a claim to my ins company to have 1/2 the roof fixed. i ve been told that in the state of florida it is illegal to do that. my ins comp. has a bit of an issue clearing that question up. i have not cashed the check yetdo to the fact that that would be accepting of the damages and then the fault would lie with me. so how do u all suggest i go about fixing this little problem!?!?!
Posted: Mon Sep 15, 2008 11:21 am Post Subject:
Call the flordia dept of insurance and see if this is truly a law...I seriously doubt it...Cashing the check won't have any impact unless it is being paid by another company, not yours....all states have web sites for the DOI, we have an adjuster on this board that worked in florida hopefully he will see this and post...calling the DOI will clear it up, I'm betting they can replace only the damaged portion though...how did only half of your roof get damaged?
Posted: Tue Sep 16, 2008 07:11 am Post Subject:
I doubt if the insurance company is responsible for paying anything more than what they owe to the policy holder. If only half portion of your roof requires repair then your insurer will pay only for that part. They are not responsible to compensate for the entire roof. I'm not sure if Florida laws have mentioned otherwise, but it's the general practice.
You are required to read your insurance document carefully to understand the benefits you are entitled for. If the policy suggests that the insurer will restore the entire roof for partial damage as well, you should communicate it to the insurer.
Posted: Wed Sep 17, 2008 03:43 pm Post Subject:
I guess it is better taht you find out if the insurance has really promised your demands, cause you see i live in florida, but my insurance havent even talked about it and also i never had heard about it.
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San Diego Home Insurance
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