Can I file a claim with the previous owner’s insurance company?

UPDATED: Mar 19, 2014

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UPDATED: Mar 19, 2014Fact Checked

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 19, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

UPDATED: Mar 19, 2014

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

UPDATED: Mar 19, 2014Fact Checked

Homeowner insurance is intended to reimburse or repair a home owned and damaged by the insured party.If the home was damaged prior to your purchase, and you are aware of the damage, your insurance company will deny any claim you submit for prior damage. The claim needs to be filed by the current owner.If the bank is owner of the property they could file a claim with the insurance they have obtained for the property. However, since many times that insurance is through a company that they may own or manage, they may be unwilling to file such a claim against their own company. If the damage occurred before they took back the home, it may be possible to file a claim with the insurance company that covered the home when the foreclosed owner had it. You should contact the bank to see if they can contact the prior insurance company and file a claim for the roof damage. They may refuse, but they may give you the name of that insurance company and you could contact them to see if they will accept a claim from you.

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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