Can you purchase homeowners insurance if your house already has natural disaster damaged

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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...

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UPDATED: Aug 8, 2012

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Insurance Question from Gary, IN

Asked on 08/08/2012

Can you purchase homeowners insurance if your house already has natural disaster damaged ceiling fell in bedroom due to storm damage

Answer given on August 10, 2012

If your home is currently damaged due to a natural disaster, you will have to have the damage repaired before an insurance company will be willing to offer you a homeowner policy.Presuming you have insurance now, you should work with your current insurance company to settle the claim and get the home repaired. After this is done you can shop around for insurance with other insurance companies. However, many insurance companies will not offer a new policy if you have had a claim in the past three years, even if it was caused by what would be considered a catastrophe, such as the storms we have seen in the past few months.If you do not have insurance coverage now, you will still need to repair your home before a new company will consider insuring you. The possibility of additional damage due to the unrepaired damage would keep most insurance companies away from offering you a policy.

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