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Started By
Message
Roof claim - unfinished repair damage
Posted on 8/31/21 at 9:55 am
Posted on 8/31/21 at 9:55 am
So what would the OT say I’m looking at with this situation: roof was damaged in storms this spring and insurance claim approved and already paid for whole new roof and repair of wood floors in area where leak occurred.
My roofer was coming to start on job September 1st but then Ida hit Aug 29th and caused severe damage - flooded second floor all the way through to first floor destroying ceilings, floors, walls, and most contents in rooms including master bedroom and baby’s nursery.
Removed carpet yesterday and headed back to Metairie now to get up there and tarp roof to mitigate damages.
How would y’all imagine insurance will handle this being that they paid for roof and it wasn’t able to be completed in time?
My roofer was coming to start on job September 1st but then Ida hit Aug 29th and caused severe damage - flooded second floor all the way through to first floor destroying ceilings, floors, walls, and most contents in rooms including master bedroom and baby’s nursery.
Removed carpet yesterday and headed back to Metairie now to get up there and tarp roof to mitigate damages.
How would y’all imagine insurance will handle this being that they paid for roof and it wasn’t able to be completed in time?
6
Posted on 8/31/21 at 9:57 am to lesgeaux
I'd go to your nearest Costco and get a pallet...
This post was edited on 8/31/21 at 9:59 am
Posted on 8/31/21 at 9:59 am to lesgeaux
quote:
How would y’all imagine insurance will handle this being that they paid for roof and it wasn’t able to be completed in time?
You're in for a battle. They will say you had enough time to replace the roof and they are not responsible for the new damage.
Posted on 8/31/21 at 10:02 am to lesgeaux
Are you expecting them to pay you twice? At the least, I'd imagine they're going to say they paid you for the roof and floors, and will only want to pay for any new damages.
If they deny your claim, lawyer up.
ETA: This isn't intended to be sarcasm.
If they deny your claim, lawyer up.
ETA: This isn't intended to be sarcasm.
This post was edited on 8/31/21 at 10:03 am
Posted on 8/31/21 at 10:05 am to swamplynx
No not expecting them to pay twice for roof at all. Just hoping they will pay for new subsequent repairs like the ceilings, more flooring, contents. Not like we didn’t make movements on roof replacement. Our contractor came and patched our damages we had in spring temporarily until he was able to get to us (rain and covid delayed him).
Posted on 8/31/21 at 10:13 am to lesgeaux
quote:
No not expecting them to pay twice for roof at all. Just hoping they will pay for new subsequent repairs like the ceilings, more flooring, contents.
Seriously, I believe in the end it will come down to the "reasonableness" of the elapsed time it took you to get the roof repaired.
When did they pay you for the repair?
Did you have the roofer arranged for and did you call him and schedule a date before or even exactly when you got paid?
Did THEY delay inspection of your roof and getting you paid?
Did you have your roof tarped to prevent further damage in the meantime?
I had roof damage once. I called out a roofer and he inspected the roof and put a tarp on it the same day I noticed the damage. The insurance company had their inspector/adjuster come out about a week later. He literally cut me a check that day from his truck. I called the roofer and he came out and put on a new roof in two days and just took the insurance check which I signed over to him.
I don't know what is "reasonable" in your case and I'm guessing that might be geographically determined.
This post was edited on 8/31/21 at 10:22 am
Posted on 8/31/21 at 10:15 am to lesgeaux
Start by reading your insurance policy. It isn't written in Greek.
If you took measures to mitigate/prevent further damages, then I would imagine the new interior damage would be covered. Be prepared to show your adjuster any invoices related to prior temp repairs that were performed.
I'm breaking your balls a little bit about reading your policy, but focus on Exclusions and Temp repairs. There should also be a section called "Conditions" you should read.
If you took measures to mitigate/prevent further damages, then I would imagine the new interior damage would be covered. Be prepared to show your adjuster any invoices related to prior temp repairs that were performed.
I'm breaking your balls a little bit about reading your policy, but focus on Exclusions and Temp repairs. There should also be a section called "Conditions" you should read.
Posted on 8/31/21 at 10:23 am to lesgeaux
Well the good news is there is another storm coming next weekend now so no worries, more rain will leak through
Posted on 8/31/21 at 10:33 am to lesgeaux
New claim to handle new damage
Posted on 8/31/21 at 10:35 am to Fat and Happy
take a drive through lake Charles and note lack of repair progress. With three separate storms last year, insurance will be tied up for ever. Hopefully you do not have a mortgage company involved also
Posted on 8/31/21 at 10:38 am to wickowick
quote:
New claim to handle new damage
This
Also, another deductible for the new damage.
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