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If homeowner fails to replace a bad roof and it caves in does insurance company pay?
Wiki User
∙ 8y ago
No,, homeowners insurance does not cover normal maintenance costs nor damages that result from lack of maintenance.
Wiki User
∙ 8y ago
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If your roof caves in due to the negligence of your insurance company to do a thorough exam of the house do you have any recourse?
Roof Cave in Caused by Insurer? Your home insurance company does not certify the structural integrity of your home. It is our responsibility as the homeowner to maintain our home. There is no negligence here on the part of your insurance company. Your Insurer is not a Home Inspector nor a Structural Engineer. There are Qualified and licensed Roofers and Home Inspectors you can hire for that job. The Insurance Company will usually do a precursory visual property inspection. Photographs external of the property are usually taken and any obvious hazards may be noted. Engineering Diagrams are not used. In No way does an insurance company imply certification of structural Integrity. In Fact Insurers may require you provide such a certification report prior to accepting your risk if hazards are apparent. An Insurers inspection is only to determine insure-ability and to document the current "apparent" condition of the property and verify that the home being insured actually exists. Everyone has the option to sue, for just about anything. So legally you could try suing the company, but It does not seem likely that you would have a valid claim. The company would simply point out that they do not certify anybody's roof and that it most likely caved in due to lack of proper maintenance by the home owner. There are *rare* scenarios where the insurance carrier would be at fault. Say you had a hail storm six months ago that damaged your roof. If you filed a claim and your insurance carrier told you to only patch your roof instead of replace it, when the structural integrity of the roof from the hail was seriously compromised, this was the WRONG decision and you should have legal recourse. Outside of a freak scenario like the above, it is most likely that you can file a claim with your insurance company and see what the inspector said was the cause of the damage. If it was just a really old roof that should have been repaired by you years ago, it is unlikely you can get any money from the insurance company, as it is your responsibility to maintain your property for normal wear and tear, not theirs. If a home insurance policy were to provide free repairs for life then everyone's insurance would be a lot more expensive!
How many caves are there in the ajanta caves?
The Ajanta Caves contain 29 caves in total.
How many caves are there in at the 'Ellora Caves'?
There are 12 Buddhist (caves 1-12), 17 Hindu (caves 13-29) and 5 Jain (caves 30-34) caves. Total 34 caves.
Can you tell me a poem about caves?
caves caves caves caves why do u want to know?
What are the different types are caves?
granite caves sea caves sandstone caves . stay in school
What are the different types of caves?
The main types of caves are solution caves, lava caves, sea caves, glacier caves, and talus caves. Solution caves form from the dissolution of soluble rocks like limestone; lava caves are created by flowing lava; sea caves are carved by the action of waves on coastal cliffs; glacier caves form within glaciers due to melting and refreezing processes; and talus caves are formed by fallen rocks creating cave-like structures.
What are the different kinds of caves?
The most common types of cave are limestone caves.
How are limestone caves and sea caves alike?
They are both caves
What is the forming of caves?
caves
Is the ajanta caves and the ajanta ellora caves the same caves?
YES
What is the seed for minecrft spellbound caves?
there are no spellbound caves only regular caves
Are there caves in Australia?
There are many caves in Australia. Some of the better known ones are the Jenolan Caves, Wellington Caves and Abercrombie Caves. There are many spectacular caves that are not-so-well known throughout Australia. The Nullarbor Plain is a spelunker's paradise.
