answersLogoWhite

0


Best Answer
Copy

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!

User Avatar

Wiki User

โˆ™ 2017-06-20 15:40:21
This answer is:
๐Ÿ™
0
๐Ÿคจ
0
๐Ÿ˜ฎ
0
๐Ÿ˜‚
0
User Avatar

Add your answer:

Earn +5 pts
Q: 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?
Write your answer...
Submit

Related Questions

Your brother's company failed to have him sign the life insurance beneficiary form therefore the life insurance money went to your parents is there recourse against the negligence of the company?

No, The insurer provides a means by which we can assign beneficiaries, If those beneficiaries turned out to be your parents then so be it. Without evidence to the contrary, Namely an assignment of proceeds AKA naming you as a beneficiary, the law has no option but to presume that was the intent of the insured. Their is no negligence here on the part of the Company and therefore no liability. The insurance company is only following the law as well as the documented intent of the insured.If you think there was an oversight on the part of your sibling in the assignment of beneficiaries, then you would need to bring your action against the beneficiary and/or the estate of the deceased. Basically you'd have to sue your parents and your brothers estate. The Insurance company would not be a party to your recourse action.


Can you sue a construction company IN FLORIDA for negligence after being hit by a front end loader covered by general liability insurance not auto insurance and they were at fault?

yes


What recourse do I have when a doctor sends me a bill for a procedure because the insurance company has denied coverage for what I think is a bogus rationale?

Take the Insurance company to court. The Doctor has to be paid by some one. and in the end it is you that is responsible for this.


What recourse do I have if the at fault driver will not contact his insurance company about the accident?

If this happened to me, I would find out what my insurance company can do and from there contact the police or file a civil or small claims suit. None, if the accident wasn't reported to the police.


What is recourse for homeowner whose insurance company paid contractor in full and contractor refuses to complete the job as agreed to with the insurance company?

Your contract with the tradesman is between "You and the Contractor", He did not contract with your insurance company. All the insurance company did is agree to pay the bill for you. So you would need to bring your own civil or criminal action against your contractor depending on the circumstances.


How do you determine the value of scarring due to the negligence of another person in an accident when reporting it to the insurance company?

If someone is seeking damages from an injury as a result of an auto accident and they are not satisfied with the offer from the insurance company I would suggest that a lawyer be consulted.


After workers comp settles with you can you tun around and sue the company where you got hurt?

Probably not. Unless the employer was guilty of GROSS negligence, Workers' Comp is "the sole remedy" - meaning it's your only recourse.


Can you sue the neighbors homeowners insurance for the death of your son out of neighbors negligence and responsibility for a fire?

You can sue anybody you want. Even the President. But in this case, the insurance company did not cause your sons death. You will need to sue the neighbor directly and if he has liability coverage then his insurance company might defend him in the suit.


Insurance company max is 85 and customer misstates age on application what happens in 2 years?

If a customer mistates age such as he is 86 and the max the company will sell is 85 and after 2 years death occurs what recourse does the company have.


Will at fault insurance buy you a new car after paying your car totaled?

No. They will give you the money for the value of the vehicle and then you are on your own. However, check with your state's Department of Insurance. You might have recourse against the insurance company if you are unable to find a comparable vehicle with the amount they gave you.


Is there a such life insurance company as federal life insurance company?

There is an insurance company called Federal Life Insurance Company.


Who is at fault if a bus takes off your car door right after you enter your vehicle?

This depends on the law of contributory negligence in your state. If you live in a contributory negligence state, you are at fault for leaving the door in the path of the bus. If not in a contributory negligence state, fault is apportioned at trial. I am a retired attorney. I would suggest you contact your insurance company for the necessary information.


What exactly does liability insurance cover Is it worth paying for this if I'm starting a company?

It would definitely be worth getting liability insurance for your new business. It is in place to protect businesses from being sued by a third party due to negligence. Having liability insurance is a must for any business. Liability insurance, or business insurance, protects your company against lawsuits that claim you failed to use reasonable care.


What is my recourse if I am dropped by my auto insurance company for no apparent reason?

That depends upon where you live. Your State insurance department will have it's regulations regarding whether or not an insurer can drop you. You'd need to check with their website or call them to learn about your options.


What constitutes negligence on a motor vehicle insurance policy holder?

The negligence includes failure to renew the policy on time,timely intimation to the Insurance Company in case of any accident to depute Surveyor for on the spot inspection, to keep the Original policy, Registration Certificate issued by Motor Vechicles Department, Smoke Test Certificate etc. in the vehicle itself.


What do you do when a home insurance adjuster lies to the insurance company by stating there is rotted wood and then they cancel you?

It may be a good idea to hire your own home inspector to do a good thorough inspection of your home inside and out. It's best to know exactly where you stand with the condition of your home. You may then wish to reapply for your home insurance policy either through the same or a different Insurance Company.


You do not know if he had life insurance or not but before his death he made certain statements how do you find out if it is true or not?

If you are a family member, you should be able to find papers in the household, or, possibly an insurance company he regularly paid in his banking records. Other than that, you have no recourse.


Can home owners insurance fine you for not mowing your grass?

No, An insurance company will not fine you for failing to maintain your property. They can however cancel your insurance coverage or go up on your premium rate if they perceive an increased hazard or risk of loss due to negligence or a lack of interest in the condition of your home and property.


What does the company Kanetix do?

The company Kanetix is an insurance company that offers a number of insurance products to consumers, such as auto insurance, travel insurance, home insurance, and health insurance.


What insurance company has 999 company code?

New Jersey Automobile Insurance is the Insurance Company that has 999 Company Code.


What legal rights do you have when an uninsured motorist rear ends you?

If you have uninsured motorists coverage your insurance company will take the place of the other parties insurance coverage less a small deductible. They will then go after the other party to collect the amount of damages paid out plus your deductible. If and when it is all collected they will send you back your deductible. If your insurance company handles the claim for you and pays your damages you will have no further recourse as you sign over your legal rights to the insurance company under a subrigation agreement.


011 is the code of insurance company what is the name of insurance company?

The company is Allstate with insurance code 011


Is injured visitor covered by home owners insurance and due i have to pay the deductible for minoran injurey?

True Homeowners insurance policies include defense and payments for your negligent acts. Usually, there is not a deductible on those payments. A visitor who is injured by your negligence could sue or demand payments and your insurance company would defend you and/or pay the claimant. Talk to the agent or company that sold you the policy.


Why is Balboa Insurance such lame a Insurance company?

Your mom is a lame insurance company.


Will insurance company pay to have house painted?

No, That is part of the normal maintenance and care expected of the homeowner. Failure to maintain your home in the condition expected demonstrates a moral hazard of negligence on the part of a homeowner and can result in cancellation or non-renewal of your home insurance policy.