0
Whether or not an insurance company is responsible to repair a roof depends on a number of things. Homeowner's insurancetends to only cover things that are sudden and accidental. If your roof needs repair because it is worn out and now you have leaking going on inside, you are not going to get the insurance company to fix your roof. That is routine maintenance that comes with the privilege of ownership of a house. If you hired someone to replace an old roof, and they did it wrong, then your insurance company probably will not cover that either. Your battle is with the contractor who did the work.
If however, there was a storm that damaged your roof (for example), and your insurance company isn't paying for that, then you certainly should be able to recover some of the cost of that repair. Your recovery is going to be subject to your deductible, and it might also be subject to depreciation depending upon the type of policy you have. If your insurance company refuses to pay, then you should contact your state's office of the commission of insurance and file a claim. In my state, every policy that is issued has to include information about how to contact the commissioner's office, but if you don't have that information included with your policy, you should be able to Google it and find the contact information.
Wiki User
∙ 14y ago
Add your answer:
Earn +20 pts
Is hiring a licensed company to do roof repair work necessary?
Do I need to get a licensed company to do my roof repair work? For insurance reasons?
How quickly will an insurance company repair or replace your roof tiles after they are damaged in a hail storm?
== ==
Insurance says they only will pay for Half Roof replacement?
If your insurance company says they will only pay half the costs of the roof repair, it is probably outlined that way in your policy. You should double check your policy.
What is the best way to do roofing repair.?
It depends how much damage was done to the roof. If it just knocked off a few tiles, any roof repair company can fix that. If it did major damage, look into getting the whole roof replaced.
Your insurance will not renew because you need to replace the roof the bank will not provide you with a loan to repair it if you do not have insurance what do you do?
The only option you have is to pay for the roof repair yourself, unless the roof damage was caused by a peril covered by your current policy. Another option might be to speak with a senior underwriter from the bank, they may be willing to make an exception if they can make the check out to the roof repair company directly. Good luck!
If a check for hail damage from the insurance company is made out to you and the mortgage company can you use the money for a purpose other than repairing the damage?
It is unlikely that the mortgage company is going to endorse the check until you present an invoice for the work done on the house. In the end, it is wiser to take care of the roof since it needs repair. Honestly, fix the roof and save for the big screen TV. Even if you do the work yourself, you will have to show that the work has been done.
Where can I find a quick roof repair or replacement service in my area?
I would like to hire a company to do some roof repair. Actually, I need the entire roof just replaced. I live in Lexington, Kentucky and I want to know if this is something that can be done in a reasonable amount of time. I am trying to sell the house and I would like to have the roof done this week. Can someone make a suggestion on where I can get in touch with someone?
If there is a great deal of damage done to the roof of your house and no company will finance you will your insurance company help you?
Most homeowners insurance companies do not provide mortgage financing. Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowners insurance. If the roof is just "worn out" it is the homeowners responsibility This is considered normal and expected maintenance incidental to home ownership.
Is it an Ohio law if the insurance company can't match the shingles do they have to replace the whole roof?
No, There is no such law. What the company will pay for the repair of your roof is dependent on what type of policy you bought and the age of your roofing material. If you bought an HO1, the cheapest Home Insurance Policy then you probably have cash value coverage. The company will only pay to repair the damaged portion of your roof. Match and asthetic issues are generally excluded from coverage under the HO1 If you bought an HO2 or HO3 policy then you may have full replacement value coverage, in which case they will pay whatever it cost to replace the entire roof. Match issues are addressed in your Insurance Policy Contract you agreed to when you purchased your insurance.
Do you have to replace roof with the insurance check or can you pay other bills?
I work for an insurance repair company, and yes - if the insurance company has paid you directly for the roof repairs, you can certainly use the money any way you wish. However, if your roof leaks in the future, and say something horrible happens - like your ceiling falls in - the insurance can deny covering any of those damages based on the fact that they paid you to get the roof fixed - which you never did. You could end up with more roof damages than you have now, as well as damages to the inside of your home, which would also be denied.
Am I required to use insurance money to replace roof?
Insurance companies grant money to correct issues from claims. If a person receives money to replace a roof from an insurance company, the money should be used for the repair. If a person decides to not use the money to replace the roof, there could be issues selling the home. The value of the home could decrease. Another issue a person may encounter is the risk of other damages resulting from the roof not being repaired. The insurance company may not cover damages to the home as a result of the roof not being replaced.
Repair a flat roof?
You could try Permaroof. This company repaired my roof and was well impressed
