But they are insisting I give them the exact date that the roof tiles fell off. It was about a year ago (its a long story why I waited so long) but I only have a vague idea of when it was. if I give them a date which I no not to be exact will they check weather reports etc to determine whether the accident was possible?
2007-10-01 23:15:03 · 10 answers · asked by ? 7 in Business & Finance ➔ Insurance
they will check weather conditins in your area for that day
2007-10-01 23:34:44 · answer #1 · answered by george n 1 · 1⤊ 0⤋
Yes, and they'll inspect your roof, to determine if it's possible the roof is just really in poor condition. Lack of maintenance isn't covered.
I'm not sure how many tiles fell off - when you say tiles, I'm assuming you mean ceramic tiles. But tile roofs are supposed to be good a really, really long time. If you've got a huge patch of roof with no tiles on it, well, you didn't mitigate the loss let alone report it . ..
I foresee you having a lot of troubles trying to get this claim paid.
2007-10-02 12:13:01 · answer #2 · answered by Anonymous 7 · 0⤊ 0⤋
Before you evaluate your situation further you should evaluate the question behind the question...
Why does the insurance carrier seek this information?
- The homeowners policy intent is to cover event based losses due to items other then natural aging. The carrier is seeking information to determine if they roof failure is merely something that is degenerative or something actually caused by weather.
Suggestions:
1. Review your policy specifically, what is covered and what is the timely filing requirements.
- You will want to avoid partial payment from the carrier as they may contest that the roof deteriated over the time the item went unreported.
- Call your broker for guidance.
2. Check weather reports to focus on a specifc date.
3. Draw up a summary while the item went unreported and Why?
FYI- Make it good.
2007-10-02 09:28:59 · answer #3 · answered by Dimples_in_NJ 3 · 1⤊ 0⤋
There's a website you can go to and check weather related incidents in your area. Not knowing where you are, don't know where to direct you. Pinpoint an approximate and give them that. Ask your neighbors if they remember when the last big storm came through.... I would have a contractor take a look first and make sure it's weather damage and not just old age. They won't pay to replace the entire roof if the entire roof wasn't damaged by a covered peril...
2007-10-02 12:28:51 · answer #4 · answered by Misty L 2 · 1⤊ 0⤋
Why don't you check the back weather reports yourself?
That way you can get a better idea as to the date.
I mean to say you must have a good idea of the approximate date they were blown off etc.
On the other hand, if they came off because of age or poor workmanship or people messing around on the roof, then you probably should forget the whole thing and bite the bullet.
2007-10-02 06:25:14 · answer #5 · answered by VampireDog 6 · 1⤊ 0⤋
You need to read your policy. There is likely a provision that requires you to report any claim within a certain amount of time after the damaging event. The damage must be caused by some type of upset rather than from normal wear and tear. The insurance company might deny the claim if this cannot be established.
2007-10-02 06:28:05 · answer #6 · answered by spirus40 4 · 1⤊ 0⤋
Check the weather reports for the period you think the tiles came off. Good Luck :-)
2007-10-02 14:02:22 · answer #7 · answered by Jim 7 · 1⤊ 0⤋
If you've got a rough idea you can check the weather reports for that period in your area and just pick a week when there was heavy winds
2007-10-02 06:24:03 · answer #8 · answered by Anonymous · 2⤊ 0⤋
either that or to find a clause as to why you waited so long to claim.
2007-10-02 06:26:44 · answer #9 · answered by wonderingstar 6 · 0⤊ 0⤋
No.........just give them a date to satisfy their administration procedures, you will be fine.
2007-10-02 06:26:12 · answer #10 · answered by JJ 2 · 0⤊ 1⤋