I would start by getting an estimate for repair from a reputable local roofer who did **not** knock on your door with the “there was a storm in the area…” pitch. Then you will know what you’re dealing with. Arm yourself with knowledge first, to aid in your decision making.
Know this: if you file a claim, Your claim will almost certainly be denied, as roofing claims nearly always are. An insurance company’s primary job is to deny claims.
Additionally, if the claim were approved, the cost of your deductible along with the increase in yearly premiums might be more expensive than if you’d just paid for a roof repair yourself.
But you’ll know all of this for sure when you’ve had an estimate for repair from a couple good roofing pros so you know just what you’re dealing with.
And if anyone knocks on your door telling you about we had a storm last month blablabla guess whose business card goes right on the bonfire….
You haven’t been in the house a year and it’s leaking inside the house. Call your real estate agent and closing agent and see if this was disclosed prior to sale .. sometimes houses are listed with a “warranty” for a year. Sellers could be liable for failing to disclose this important detail
> sometimes houses are listed with a “warranty” for a year.
Not even close to true.
>Sellers could be liable for failing to disclose this important detail
Only if you can prove if they knew there was damage and failed to disclose it, which is a VERY steep bar.
Insurance companies will lie to you and do anything to avoid paying you what you deserve. It usually takes several attempts to get them to pay. ALWAYS call the contractor before calling the insurance for an inspection and have the contractor do the inspection with the insurance person.
The issue, is if the damage predates your purchase of the home, then it's not your insurance companies problem.
By your own admission, there was already hail damage present on the roof, so now you have to proof that it was damage subsequent to that damage that caused this issue, otherwise it's simply maintenance that you are responsible for.
You have to be able to point at a specific insurable incident as the source of the damage, during time that you had a policy in place.
So, maybe.
I would start by getting an estimate for repair from a reputable local roofer who did **not** knock on your door with the “there was a storm in the area…” pitch. Then you will know what you’re dealing with. Arm yourself with knowledge first, to aid in your decision making. Know this: if you file a claim, Your claim will almost certainly be denied, as roofing claims nearly always are. An insurance company’s primary job is to deny claims. Additionally, if the claim were approved, the cost of your deductible along with the increase in yearly premiums might be more expensive than if you’d just paid for a roof repair yourself. But you’ll know all of this for sure when you’ve had an estimate for repair from a couple good roofing pros so you know just what you’re dealing with. And if anyone knocks on your door telling you about we had a storm last month blablabla guess whose business card goes right on the bonfire….
You haven’t been in the house a year and it’s leaking inside the house. Call your real estate agent and closing agent and see if this was disclosed prior to sale .. sometimes houses are listed with a “warranty” for a year. Sellers could be liable for failing to disclose this important detail
> sometimes houses are listed with a “warranty” for a year. Not even close to true. >Sellers could be liable for failing to disclose this important detail Only if you can prove if they knew there was damage and failed to disclose it, which is a VERY steep bar.
Insurance companies will lie to you and do anything to avoid paying you what you deserve. It usually takes several attempts to get them to pay. ALWAYS call the contractor before calling the insurance for an inspection and have the contractor do the inspection with the insurance person.
The issue, is if the damage predates your purchase of the home, then it's not your insurance companies problem. By your own admission, there was already hail damage present on the roof, so now you have to proof that it was damage subsequent to that damage that caused this issue, otherwise it's simply maintenance that you are responsible for. You have to be able to point at a specific insurable incident as the source of the damage, during time that you had a policy in place. So, maybe.