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Originally Posted by GuinnessStout  Ok found what I needed... "The law forbids contractors from representing or negotiating with an insurance carrier on behalf of the homeowner."
So the state has put all control into the insurance companies hands, they say nope we don't want to pay for hail damage no mater how small or large because of whatever reason wether it be just a small area or they thought the roof was too old blah blah blah then that is their choice. When they did the inspection did the general contractor actually get on the roof to inspect the damage?
Insurance companies want to save money, and usually will only cover a roof for 20 years... So to avoid a claim before storms come if a roof is over that age they would require you to replace just like if you purchase a home with old roof they will require you to replace before they will write a policy on it. I have seen insurance companies just raise rates sky high to get out of heavy storm areas causing people to find cheaper companies.
But sadly yes they can make you replace... Now if the roof is under 20 years old you could use that argument or look into another insurance company or sadly get a new roof.
I hate insurance companies so I choose to stay independent helping people fight for what's right inside of helping insurance companies. Here laws are different a contractor can go to battle for you with the insurance company... The insurance company adjuster might go out pick a 10x10 section and count hail damage marks in that area now who's to say they did not pick the side with the least amount of damage?? Contractor goes out and proves yea that area was lightly hit BUT over here is heavy damage. |
Ok, I think I get that. I get that if their limit is 20years. I can accept that. But, if they're basing it on light or heavy damage in a 10x10 area (or what ever their rule is) that's damage regardless, and how would that argument not be covered under their plan?