I am asking because we had hail damage on our roof and it need to be replaced. They sent us a check to cover the cost of new shingles and etc., however when the roofers started tearing the old shingles off today, we discovered that there never was any plywood underneath.... It looked kinda like old hard wood flooring (the thin slats of wood) with huge gaps and holes everywhere... The guy had said that he was shocked that our roof hadn't leaked yet. When we called our insurance company to request addition funds... (2500 dollars) they refused to pay and basically said we were on our own.... I have been taking pics of everything, and I was wondering if you can take them to court or not and make them pay it?? We have used the same company ever since we purchased the house (5 years) and have never made any late payments. The only claim ever made to them is now for the roof... What are our rights???? Thanks for your help!!!
2007-07-09 05:11:45 · 4 answers · asked by Mommy of 2 5 in Business & Finance ➔ Other - Business & Finance
They said the reason for the "hard wood slats" is I guess the old roof was wooden shingles and when it was replaced they never put down any plywood.
2007-07-09 05:12:41 · update #1
So are you saying that we are just S.O.L. or is there something else we can do??? BTW: Our house is 70 years old. I have no idea who did the roof last, and I am surprised too that it wasn't caught before they let us move in... the loan we got required everything to check out 100% before we could get approved. Is there someone from that area that can help us or????? Hmmm..... we just don't have that kinda money.
2007-07-09 05:29:51 · update #2
Oh, and what about this???? If we never would have gotten our roof fixed and filed that claim, then yeah we wouldn't have found that, and yeah, would they have wanted to remodel our entire house with new walls from water damage????? That would have costed them even more....
Besides, that is what we pay them for and they cant even be depended on in an emergency....
We are changing companies also now because of this.....
2007-07-09 05:32:21 · update #3
The answer to your questions is Yes, you can sue your home owners insurance company. You should get a REALLY good lawyer as insurance companies tend to have some of the best around (they play this game a lot and hate to lose). Before you do so, you need to really read your policy. If it doesn't make sense, you may want to chat with a lawyer for assistance with that as well. Many insurance policies have limitations where they are only required to do repairs that restore the condition before the damage. Since the roof did not have under-layment before the damage, they may not be required to upgrade the roof.
2007-07-09 05:25:59 · answer #1 · answered by davidmi711 7 · 1⤊ 0⤋
To me it sounds like the insurance company have done there part. You should try to go after the people who put on the original roof if the house is not that old ,or previous owners or???... i dont like insurance companies as a rule but i think there in the clear on this one
MAYBE YOU CAN GO AFTER HOUSE INSPECTOR FOR NEGLIGENCE, SAYING YOU WOULD NEVER HAVE BOUGHT THE HOUSE IF YOU KNEW
2007-07-09 05:22:37 · answer #2 · answered by Anonymous · 0⤊ 0⤋
The case load for the county laws right here. Preference is continuously given to instances regarding crook disorders. Decades in the past, in an additional industry pursuit, an worker sued for damages beneath employee's repayment. I was once required to testify in short, and was once informed by way of suggest what form of know-how I will have to have to be had to testify. I all set my file and filed it in my table drawer. It sat there for over 3 years earlier than the case ultimately noticed the within of a court.
2016-09-05 20:54:01 · answer #3 · answered by willmon 4 · 0⤊ 0⤋
Your insurance company can't be held responsible for faulty construction. I'm surprised that this wasn't caught during the intitial home inspection you should have had before purchasing the home.
2007-07-09 05:23:05 · answer #4 · answered by Joy in the Morning 3 · 0⤊ 0⤋