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Originally Posted by Magnus  The home I just moved out is currently being "fixed up". The roof is the original which would make it about 22 years old. Now.. We've had quite a few storms (including nasty hail storm) the past several years. While making a claim with our insurance, the adjuster denied our claim stating:
The roof being the original, the damages are considered wear/tear.
But then, he approved the cost for fixing the water stain caused by the leaks on the ceiling. I'm currently fighting this but not sure if this is something I can win... Anyone deal with this sort of thing???
MISTY!!!!! You worked in insurance, right??? Any advice?! |
Head of private insurances so - correction: STILL work in insurance
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Originally Posted by Magnus I just want to say that I hate insurance companies, wallpapers, and being updated on things I really don't want to know about...... -_- I'm so tired.... |
The loss adjustor was right to decline your claim on the basis of wear and tear which is defined as any gradually occurring failure and roofs fall under this heading because, really, the integrity of a roof should be checked every 10 years or so to ensure there are no issues and, if there are, repaired to prevent damage. Therefore, gradual decline in integrity i.e. wear and tear can't be covered by insurance which is there to cover unforeseeable, sudden events. For example, a huge storm blowing tiles off ... different to wear and tear, couldn't be prevented = covered. (there are caveats to this as well i.e. they may replace individual tiles but not the whole roof)...
So, he/she was also right to cover the damage as a result of ingress of water although, technically, as this was damage by proxy i.e. damage as a result of the roof which failed due to wear and tear, he/she could have declined this, too... Since he/she didn't, get some repair quotes or let them do it and just check your deductible is worth paying out for the repairs and increase to your premium next year.
Hope this helps?? Homeownership is stressful!
Happy to review your policy wording if that helps...
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