 If someone doesn't list a preexisting condition, how can the Insurance Company find out? |
| If someone was to apply for health insurance, but they did not list a minor preexisting condition, could the company find out about it?... |
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 How does my mother cash an insurance check with multiple lienholders names on it? ? |
| Our home caught on fire Thanksgiving (November 2008 Electrical Fire). The insurance company has finally issued a (small) check for the restructure and rebuilding of our home. However there are 5 ... |
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 What is the best insurance company to take out a policy on someone else? |
| My mom is getting pretty old and my sister and I would like to have something in place to help offset the costs in the event of her death. So, are there any suggestions as to companies that we could ... |
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 Is $1600 a fair offer for a accident settlement? |
| We were in a recent accident and my 18 yr old son went to the hospital with a pain in his side soon after. He was released about 2 hours later and given a muscle relaxer. He seemed fine and didn'... |
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 Who is responsible to pay the extra? |
My partner and his brother have just done a job for someone through insurance. There was a lot of burnt conifers and gardening work to be done.
He gave them an estimate for ex amount of ... |
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 Insurance Agents: is there such thing as free life insurance? |
This is the second year that my father in law gets free life insurance for up to $1,000,000.00 Dlls from a company called
"National Western Life Insurance Company"
A Stock Company<... |
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 How do I file a formal complaint against an insurance company's agent whom hosed me over? Based in California |
| I would like to file a formal complaint with the State of California against an insurance agent & broker whom screwed me on my health insurance.... |
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 Lost wedding ring 2 yrs ago, ins. pd me, bought new one, now I found old ring. Do I give ring or cash back ? |
| Claim was with State Farm - do i give them back $4000 cash or the old ring. I don't really want it anymore since I bought a new one with the claim money. Anyone have experience with this before I... |
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 I Have Been In A car Accident and the Insurance not want to pay All-State Insurance? |
Bodily injury / Which My Leg was Broken into three parts above my knee and below my hip.
I have been in bed for the atlist more than three months.
And The only thing ALL-STATE I... |
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 HELP!! Second home insurance problem. Primary is in Florida...second is in Idaho--where to go for insurance? |
| I'm told by the company who covers my primary here in Florida that I need someone in Idaho to issue this policy...and I'm told my the person in Idaho that I need to have someone here in F... |
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 Insurance Help? |
| My mom's age is 49 yrs & my Dad's 56 yrs.Pl advise which medical plan is most suitable for them.Preferably Cashless Holspitalisation or a joint plan for both of them where I pay just 1 ... |
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 Homeowners Insurance? |
| How long after the accident do you have to file a claim? I'd appreciate if you knew the answer to State Farm's Homeowners policy, but any will do. Thanks.... |
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 I have had Brain Surgery and I have had an Organ Transplant within a 5 year period. Am I eligible for any? |
Governmental assistance?
Additional Details
I am male (white). Had a Hemorragic Stroke. Live in
the USA.... |
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 If i'm financing my car and it get totaled do they give me the value of it and i have gap to cover the rest,a |
| and i was not fault it was the other driver will they give me money to get another car, did i just told a lost and out of a vehicle.... |
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luckylindywho | Does Insurance pay for damage done inside the house from a bad roof? |
walls are leaking in areas after a bad rain storm we got tonight. Does insurance have to pay for the damage done inside to the walls and floor? |
 |
 
mbrcatz
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Depends on why the roof is bad. If it's just old & worn out, some policies won't pay. If it's a defect in workmanship, ie, your roofer put in on badly, then your homeowners policy will LIKELY pay, but then go after the roofer.
In either case, the FIRST thing that the insurance company is going to want you to do is get the roof fixed/replaced. And they WON'T cover that, if it's either worn out or put on wrong. Neither of those things are covered, although sometimes the rest of the water damage is, AS LONG AS it's a sudden, accidental loss, and not the result of 10 years of rain and no maintenance. |
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Crighton
|
The answer is: it depends.
Basically it's going to come down to is the damage caused by some which is "sudden and accidental" or is it cause by something which could be described as a routine maintance issue.
An obvious example of the first instance would be if the storm blew off your roof or a large portion of the shingles and then water was able to get into the house. The exact opposite would be that the roof is leaking beacause it's an old roof at the end of its life span and leaks like crazy.
No home insurance policy will cover the second example mainly because it's looked on as the homeowners responsibility to maintain their property etc etc.
If however, the storm did cause damage to the roof and therefore the water came in then yes there'd be some coverage availible to you (minus your deductible).
My advice would be to take what steps you can to minimize the damage being down and to try and mitigate any further damage from occuring. In the morning survey the roof and look for obvious signs of damage. Then call your agent and ask if there is a roofer who has a lot of dealings with your insurance company. See if the roofer will come out and give you a free estimate THEN have a detailed talk with your agent about IF you should file a claim.
What you DO NOT WANT to do is to file a claim, have the claims adjuster come out, then have the claim be denied. In order for the adjustor to go out and see the property a claim has to be filed, which will show up on a check of the claims databsases companies use when they write new business. A claim (even for $0) can make your premium go up by denying you a claim free discount. Plus you may be getting a claim free discount currently and might lose it at renewal if you file a claim.
Good luck. |
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rbd_#1_fan
 |
yes but only a part of it
like half of it |
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SG Elite
 |
You will need to read the fine prints if these are covered. Generally, I would say yes. But, do check and be sure. Alternatively, you can bring the contractor to task. |
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D.L.
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If its due to the roof being damaged by hail, ice domes, or other natural acts of mother nature then most likely it will. But if the roof is just old, and beat up then no most likely not.. |
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stewiegriffin4president
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If the damage was truly caused by the storm and not the result of failing to maintain the roof, then your insurance will most likely cover it. Now keep in mind, your deductible will apply. In some states (such as here in NC - a hurricane-prone state), you may be required to have a split deductible. Meaning you have one deductible for wind/hail (storm) damage, and one deductible for all other perils. Your wind/hail deductible would apply in this case. |
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*CaLLie*
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Depends on the situation. If you call to file a claim under your homeowners insurance, the adjuster will check your roof life to verify if in fact it will be covered. If your roof is anywhere from 20+ years old, there is a very high chance it will not be covered as it is your responsibility and duty as a homeowner to keep up on maintanence. |
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