STATE FARM REFUSES TO PAY FOR INSIDE DAMAGED BY ROOF

Submitted by britestar on Thu, 08/14/2008 - 02:52

I HAD A ROOF LEAK THAT DAMAGED THE INTERIOR WOOD FLOORS, WALLS, ETC. THE ADJUSTER REFUSED TO PAY FOR INSIDE DAMAGES AND LOSS OF RENT BECAUSE HE SAID THE ROOF DIDN'T CAUSE THE DAMAGE, BUT THE ROOFER POURED WATER OVER THE HOLE IN THE ROOF AND IT CAME OUT ON THE FLOOR AND WALLS INSIDE. THEY STILL SAID ROOF DIDN'T CAUSE DAMAGE. WHAT DO I DO NOW. DAMAGE COMES TO ABOUT $15,000. THE HOUSE WAS RENTED TENANTS WERE ON VACATION WHEN STORM HIT. HOUSE WORTH $250,000IS JUST SITTING THERE AND I CAN'T AFFORD TO FIX IT. HAVE MISSED TWO MONTHS PAYMENTS WITH NO RENT. WILL BE FORECLOSED ON SOON AND INS. CO KNOWS IT. THEY PAID HALF THE ROOF TO BE INSTALLED BECAUSE THE UNDERCUT ALL ESTIMATE. LOTS OF DAMAGE BY STORM, 2 TREES FELL ON HOUSE NOW WATER IN BASEMENT EVEN THOUGH ROOFER TRIED TO COVER LEAKS. GUTTERS BLEW OFF AND NOW BASEMENT IS LEAKING. HELP! CAN'T GET LAWYER TO TAKE CASE. CUT BACK AT WORK SO MOVED OUT TO RENT TO MAKE PAYMENT. ONLY OWE $140,000 BUT NO CREDIT NOW..... ANY HELP WILL BE APPRECIATED. STATE FARM IS NOT FAIR.

Posted: 14 Aug 2008 04:03 Post Subject:

First... STOP YELLING!

Did Allstate give you any indication as to what they think caused the water damage? I'm guessing there is some indication that the water damage is old... mold, etc?

Posted: 14 Aug 2008 05:39 Post Subject:

Well, it can be frustrating....you have filed the claim with the expectation that the insurance company will cover all the damages and will fix the entire property anew. But it often doesn't happen the same way.

If State Farm suggests that the damages were not caused by the leak in the roof then they must have sighted the reason as well. Try to find it out.

Have you had cyclone or hail storm in your area very recently? what have caused the roof to leak?

Posted: 14 Aug 2008 05:52 Post Subject:

The second Jeremy, the damage need to be sudden and accidental, according to the homeowners policy verbiage, for the insurance company to cover it.

Homeowners policy may not cover damages caused by mould or leakage from pipes. Hence, if the damages had resulted from any of these reasons, the insurance company is right by not covering it.

Pls give us a complete description of how the damages have occurred. The information is very limited to issue a verdict.

Thanks,
jeorge

Posted: 14 Aug 2008 09:49 Post Subject:

I'm betting they are denying the water due to 'gradual deterioration' as Jeremy said it must be sudden and accidental..when did you report it? when did it start leaking? how old was the roof? You might want to consider getting it on the market asap! and tell the bank that you are going to try and sell it...please give you some time...

Missing two months payments tells me that this has been leaking for over two months right?

Posted: 14 Aug 2008 10:55 Post Subject:

Missing two months payments tells me that this has been leaking for over two months right?



Nice catch :) and if its been leaking for over two months then they are right in denying the claim. Gradual leakage from the pipes and swears isn't covered under the HO plans. The insurers attribute it as negligence on the homeowner's part and no compensation is allotted for it.

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