Can you claim roof damage on a new roof?
It is VERY important to have a professional roofing insurance resoration specialist inspect your roof first. This person will determine whether or not you have a claim. Next, you will contact the insurance company to make a claim and an appointment. The restoration specialist will be there to meet with your claims adjuster.
1 person found this useful
Typically, Yes, Unless you have a wind exclsion form attached to your policy. Wind Restricted policy forms are often all that's offered in certain tiers, especially coastal tiers.
It depends on the size of the roof over the house, the damage underlying the roof and the materials, as well as quality of labor used to replace the roof. Therefore, the cost could run anywhere from $5,000 to $15,000 depending on the above factors. I just got a roof put on my house for practi…cally free. The Insurance company was trying to drag me through the dirt and I thought there was no hope, but then a friend gave me the Number to the people who done her roof. I called and through the whole thing I only dealt with one person, My roof looks great, and it was so easy. So I hope this helps you out. CDL Renovations 678-682-0540 ask for Joe Lucas. (MORE)
Why was the tree being removed from the property? Is this something your insurance company wanted done? Did you remove it yourself, or did you have a contractor do it? Answers to those questions could help clarify my answer to you. For now, the only situation I can think of where this would be… covered is under the "Falling Objects" peril. If the tree fell into the roof and caused the damage, then that would be covered. (MORE)
If you are the unit owner -- if you are a tenant, notify the unitowner, your first obligation is to report the leak(s) to theassociation. Immediate repair is required, to prevent furtherdamage, and then the issue of paying for the repairs can beaddressed. If the owner carries a HO-6 -- owners policy…; if a tenant carries arenter's policy; and the association carries a master policy, thenthe insurance carriers can work toward deciding who pays for therepairs. As well, the roof repair team -- if properly vetted -- carriesinsurance, and/or their work, by contract, should be warrantied andguaranteed for a period. (MORE)
Depends on what damaged the roof. They almost always cover it. Call them. If they say they don't cover it, then ask where it says that in their policy.
In most states, homeowner's insurance does not cover water damagefrom a leaky roof. Water damage is generally covered under aseparate policy called flood insurance.
Record the entire expenditure as a Fixed Asset. Then use the Fixed Asset Manager to amortize the expense.
the first sign would be a leak in the roof that is visible from the interior or under roof eaves, etc. depending on the type of roofing material: aspalt type shingles should have the roof granules in place and should not be curled or cracked, wood shingles should be flat. if a few shingles are damag…ed, they can be replaced on an individual basis. if larger areas are damaged then the hole roof or the exposure should be replaced. (MORE)
\nThe roof at each goal end opens. Or is capable of opening. It is currently faulty and has been since it opened. There are imagesof it open. You may recall last year on sky the nationwide ads had a clip of the staduim screens with the roof open
Is my roofing contractor liable for the repair to my plaster and wood ceilings caused by a new roof which leaked - they claim that the contract states that they are not responsible for this damage.?
Even if the roofing contractor says it's not his responsibility you may be able to get him to pay for damages by going to court - assuming no other conditions like hail could be responsible. But you have to consider the cost of the repairs both to roof and interior. Small claims court is basically a… waste of time. You'll have to prove faulty workmanship - like improper or missing flashing - failure to step-flash around chimney- nail holes in the shingles-problems with plywood sheets if they replaced those...just to name a few possibilities. An inspection by an independent home inspector would be good. If there is defect with the shingles themselves, you can call the company that makes them and have a rep. come and inspect possible damage.. I'd suggest that your first move should be to call your homeowners insurance company and talk to them about it. That's what you pay them premiums for and they may cover the cost of repairs both to the roof and the interior damage. - and maybe go after the contractor for you. Get their advice first.. If you find the contractor truly is at fault - be sure and report him to the Better Business Bureau.. Another trick - if you have a TV station that has a consumer help feature as part of their local news programming - contact them and see if they will get involved in helping you resolve the issue.. Good Luck! (MORE)
By removing all the membrane down to the original slab then primming the slab and using 4 ply 15# felt and hot applied bitumen making sure the roof has pitch to the drainage systems and using 4 PSF sheet lead flashing below the membrane
Repairs to a fire damaged roof will depend on the size of the areaand the amount of damage. The damaged area could be cut out andreplaced or the entire roof may have to be torn off, raftersrepaired then the roof replaced.
The retractable concertina-style structure, made of recycled waterproof material, has taken three years to build, weighs 3,000 tons and is estimated to have cost Â£20million. .
Most of the time, the insurance company pays the mortgage company the money and they release it to the contractor when the work has been done. It is really shortsighted to spend the money on something other than what it is intended for.
Your question can be read in a couple of ways. 1. If an occurrence covered by a homeowners policy caused damage to the roof, it probably would be covered. If the occurrence that caused the damage was a type of occurrence covered by the policy, the damage would likely be covered. 2. Conversely,… if the roof leaked just because it was old, insurance would not cover repair or replacement because insurance does not cover ordinary wear and tear. 3. If what you mean is whether a new roof (rather than an existing roof) is covered, the rule stated in #1 would apply. (MORE)
don't fret, it will only if you live in a rainy region such as Washington state
It depends on the choice of the roof you want to put on. You mightcontact your insurance company to find out the best roofers in yourtown. Otherwise, interview three and choose one. Make sure theyhave a contractors license and are bonded --this is a dangerous joband is expensive, so you want the wor…k to be done right. (MORE)
They would cover it if the damage occured during the policy period. The damage would have to be sudden and accidental damage, not wear and tear.
Usually a year, but the sooner the better. The policy may not cover it if you reported the claim late. If the roof is due to age, wear, tear or faulty construction the roof would not be covered anyway.
They will not pay for a new roof. Roofs are not covered due to wear, tear or faulty installation. They will not pay to fix the roof if you have a leak unless in suffered wind or hail damage. They will pay for a roof due to any sudden and accidental damage like fire, wind, hail or falling object.
Well.. you have to take off your first roof. Then you need to make a "blue print" to make the drawing of your next roof. Then you put all of the roof tiles. make sure your roof is triangular because the roof can cave into your house when it rains and makes a big puddle of water. Sorry if this did …not help at all... (MORE)
how could it be anyone else's fault? Yes it is obviously their fault and their liability insurance should pay for it. If they don't want to submit the "claim" to their insurance company they should repair it or pay out of pocket for the damages done because of their incompetence. Possible exceptions… to this would be if the homeowner didn't like the contractors per square price and instead offered them per hour labor only bid. But if the contractor bid the price at per square for their price (say $350/square, labor and materials included) the contractor would absolutely be responsible for any damage for any leaks underneath their installed product. (MORE)
A leaking roof is considered a maintenance issue. This means thatdamage is not coverage on any property insurance policy. If, astorm occurred , causing a tree to fall through your roof while itwas raining, that would be covered including the damage due towater, the tree, contents, etc. The key to in…surance coveredincidents is that they must be sudden, accidental, and notpredictable. A leaking roof happens over time and should be takencare of by the property owner. Neglect of maintenance is not acovered item. Sorry. (MORE)
They most likely will, but if the loss is small, I wouldn't report and I would fix it out of pocket. The reason is because you will get surcharged down the road on your policy for this claim, and this could add up to be very expensive. Sometimes the surcharge adds up over time to become more expensi…ve then claim initially was itself. (MORE)
Had roof vents installed along with new roof and is leaking from just below bottom of each vent causeing damage to your ceilings?
Call the contractor and have it fixed. Were they install correctly. Are all the vents leaking or just one? Were they sealed? A properly installed vent shouldn't leak even if it has not been sealed. The bottom edge may be under the shingle instead of on top of it. You should shingle to a point and th…en put the vent on and shingle on top of the nailing flange from one third to one half of the sides of the vent depending on where it comes on the rows. (MORE)
Are insurance company told us our roof was to worn out for a claim but gave us 600 dollars anyway A few weeks later we had a major hail storm and you have major roof damage can you refile a claim?
It's sounds like you may have an Aged Roof and an ACV based HO1 or HOA Policy. This is sometimes called a Form 1 Basic Homeowners Policy. Although HOA policies are more affordable they generally pay out on a depreciated value. Modern composite roofing material is rated at 10, 20 up to 30 years… life. Most appliances even HVAC units have expected life cycles in which they also depreciate. Part of a Homeowners regular maintenance program is to update such things before life cycle end. Many Homeowners tend to be either Price Shoppers or Coverage Shoppers when it comes to choosing a policy. When price is paramount the HOA basic Policy usually fits the bill. Some companies will offer endorsed extensions, replacement costs and other optional protection. An HOB HO2 Extended Coverage or HOC HO3 All Risk homeowners policy form is a little more costly with the HO3 offering the broadest coverage. (MORE)
It can sometimes be easy to know that there has been some damage toyour roof after a hail storm. The first thing to check is your airconditioning unit and your window screens to see if there aresplatter marks on them. These are a great indicator of largerdamage to your roof. Other obvious signs like… missing shingles anda leaking roof are easy to spot as well. Most hail storm damage can be diagnosed with a visual inspection,but sometimes a more in depth inspection of your roof will help toprevent any long term issues from coming up later. I alwaysrecommend having a professional go up on your roof to completelyinspect it as they know exactly what to look for. (MORE)
Mother nature. Just send her a bill. That is not necessarily so if the roof was not fixed properly the responsibility can end up with the owner or builder.
Roof wetting is a Bermuda custom. The participants climb to the roof anda bottle of black rum is either poured on the roof or is shared, or both.
If you were paid by an insurance company 6 years ago to get a new roof but did not and now have a different insurance company on the same house can you make a claim on the roof with new company?
You can make a claim, but if you are claiming the same damages that is insurance fraud and it is a federal crime. If you have unrelated damages you can make a claim, or you can disclose the prior claim to your insurance carrier and they will advise you if there is any coverage that would apply.
This is a broad question as it does not outline the extensiveness of the damage to the roof. If there is only a section damaged or a handful of shingles are blown off, the insurance company will not 'give' you enough money to cover a tear off of your roof. If you choose to proceed with a 'tear off'…, make sure you research the process and cost. There are some companies who will increase their quote if they think you do not understand the pricing structure. (MORE)
Chlorine Bleach. Simply pour over the moss, wait a day or two and it will come right up without damaging the shingles. You can even sweep it off with a broom. Since the bleach won't react with the asphalt in your shingles, it is perfectly safe to use. I have used a product called moss off. It com…es in a sprinke can & you sprinkle it around the ridge of the roof. Then next rain activates it and the runs down to cover the roof. Works pretty good & its not too expensive (MORE)
be more specific - collapse by weight of ice and snow is covered for example......how did the snow damage the roof?
Can a previous owner file a homeowner's policy claim to cover hailstorm damage to a roof that occured three weeks prior to the closing of the house sale?
Great question ---If the hailstorm damage was not enough to cause a recission of purchase of the property- or law suit on the buyers part-- It would be quite difficult to gain from claims for a property that has already been sold "As Is" IN MY OPINION -- this is a case where the new homeowner woul…d have had to get involved by initiating a law suit to recind on the purchase decission since most likely the 72 hour waiting recission period had already expired-- and if the home was damaged it would be the new homeowners claim anyway since the purchaser must as the purchaser place immediate insurance on the property to be purchased. Isn't this in many cases done through Escrow? If so then the current homowner would be able to claim for the damages and not the previous owner. This is only my opinion I am not claiming expertise in this area. (MORE)
It's best to do it on a moderately sunny day between 68-80 F. If the tiles are any kind of duroid or asphalt, leave them on the roof for 2-3 days before the job.
Most insurance companies are going to want to inspect the roof after repairs are made. Also, if you don't repair the roof your insurance may be canceled. If you are able to do the work yourself you can save some of the repair money but, you really need to know what you are doing because it's not as …easy as it looks. I'd say, get the roof repaired. (MORE)
Yes as long as there is nothing wrong with the old decking like rot or something of the sort. Make sure when you fasten it to hit the rafter with your nails or screws. I always separate the two layers of wood with tar paper also any time i lay over other wood.
No, Sorry. This is a maintenance issue and not a covered cause under your homeowners policy. Insurance claims must be for a covered cause and must be "sudden and accidental". Something like this happens over time and should have been corrected by maintenance.
There are thousands of different varieties of moss and lichen, but the one that does the most damage to roofing is Ascomycetes Foliose. As part of its life cycle it burrows into the roofing material. On metal roofing this can cause the paint to blister promoting corrosion. The root system can also c…ause concrete and clay tiles to crack. With moss on the roof the surface is never allowed to dry out. Therefore the roof surface deteriorates faster.. (MORE)
From a licensed Builder: Because the framing for the addition will overlay the existing truss-framed roof, you should have an engineer determine whether the trusses can support the weight of the new roof. If you get the engineer's OK for the project, your top priority is keeping your house weathe…r-tight during construction. First, set the new rafters or trusses on the addition walls up to the point of the eave of the main house, and snap chalklines on the shingles to mark the center of the new valley. You can strip the shingles out of the area that the new roof will cover, but to be safe, I often leave the old shingles in place and frame over them. You'll need to install a valley board or nailer over the old roof shingles to create a solid nailing surface for installing jack rafters (see drawing). After nailing down these two boards, dab roofing cement on the nails and along the outside edge. The roofing cement will resist possible leaks overnight. The easiest way to tie in the new shingles with the old is with a cut valley (see Four Ways to Shingle a Valley ). After the addition roof is framed and sheathed, snap a line on the existing roof shingles 2 in. up from the valley center, and cut through the shingles and underlayment. Starting two courses higher than where the new ridge meets the old roof, unseal the shingle tabs (a thin flat bar or a joint-taping knife works well), and pop the nails of the overlying course. Remove two shingles to each side of the new valleys until you reach the bottom. Save those old shingles, and number them for replacing later. Lift the underlayment out of the way, and then lay a 3-ft.-wide roll of waterproof shingle underlayment in the valley. Shingle the addition roof, letting the new shingles fold through the valley center and onto the old roof deck by at least 1 ft. Re-lay the shingles you removed from the existing roof. Bed the end of each shingle in a 2-in.-wide ribbon of roofing cement placed 4 in. up from the valley center. (MORE)
Generally you would just file a claim with your insurance company. If you have windstorm coverage and your roof met the requirements for coverage on your policy you should have no problem getting the company to pay for repairs.
Can an insurance company deny a claim if it has paid a claim three times for a roof to be fixed and it was not fixed And will the new insurance company fix a roof after being with them only 3 months?
Yes, they can deny the claim. If a loss payout was already issued by an insurance company, it was the insureds responsibility to make the repairs with the funds provided. The company is not required to pay the same claim twice. If the insured fails to make the repairs you can not seek those same …funds a second time. Also bear in mind the following 1. Your homeowners insurance policy is a term policy, usually a one year term. So your new insurance company would have no obligation to pay for claims for previous damage nor un-repaired damages that arose before the policy started. 2. Your Home insurance company also does not provide coverage for poor workmanship or quality on the part of your roofing contractor. This is why one should always hire a professional roofer and verify the the contractor has Insurance before allowing the work to proceed. If the roofer did a poor job resulting in failure of the roof or materials you will need to file claim against the contractors general liability completed operations insurance policy because the homeowners insurance company does not have to pay again for the same repairs. It is up to the homeowner to hire a qualified contractor. (MORE)
One of the basic covered causes on a homeowners policy is "weight of ice and/or snow". Also the basic coverage of "windstorm" would cover damage caused by hail.
Yes if the damage happened at two separate times. You would have to pay two separate deductibles.
Most likely, however, you must first determine specifically what it is you're claiming. If your roof has become a victim of simple ageing, I doubt there will be any coverage at all....unless you're paying jolly exorbitant premiums. If it is damaged due to 'force majure' (an act of God), this may …also be excluded, such as in some areas prone to tornadoes or hurricanes or cyclones. This, again, you need to check on your policy. There may be a rider for this specific purpose that you're required to purchase. If a neighbour's tree falls across their property line and onto your roof, their home owners policy in almost every event would be covered as this is part of the liability coverage. I'm sorry I can't address specifically as I don't know what type of policy you hold, how old it is, and what the type of claim you're considering based upon which facts. (MORE)
In General, NO. The Roof and Attic Spces below it should be insulated from Heated spaces inside your home according to local building codes. The attic and roof spaces must also be vented properly with soffit and ridge or power vents s cold attic in the winter will keep ice and snow from melting unde…r the courses of shingles. A well vented, cool attic in summer will dramatically lenghthen the lifespan of asphalt based roof coverings. The interior spaces of your house should be insulated and sealed/vented according to local building codes and by licensed professionals. For a roof, the colder the better, all year. (MORE)
Sometimes there is no life left in them. They get so brittle thereis no way to feather in the new shingles.
As an owner, you can contact the master policy carrier and reportthe leak in the roof, which is common area. Notify your board thatyou have made this call. Call your broker, the one that carries your HO-6 insurance policyon your personal possessions, and file a claim for the damages toyour property …-- and to the parts of the unit that you own. (Yourgoverning documents describe the line between what you own and whatyour association owns.) Let the insurance companies decide who is responsible to pay, andset the board on the task for making the repairs. Living with a leaky roof while you all struggle with who's liablewill only increase the amount of damage. (MORE)
In dreams houses are generally interpreted as "self" or sometimes "family". Roofs can be equated with security or protection. In some instances a roof can be interpreted as "spirituality" or "religion". So the two most common interpretation of your dream are: 1) You and/or your family are getting …a new source of security, perhaps a new job or promotion to a better paying position. 2) You and/or our family are becoming more spiritual. If by chance your dream was of you needing to get a new roof then the interpretations should reflect that. (MORE)
attend to feng shui, putting the roof where it used to be may not be wise. old roof may require counselling, attend. don't forget, roofs are so middle class................. happy day, i hope this is of some help, thomas