Roof has been compromised

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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: Oct 16, 2011

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Insurance Question from Sandy, OR

Asked on 10/16/2011

Roof has been compromised An ISP ran a cable and used staples all the way across my roof. From gutter to peak and over the top. Should I file a claim????

Answer given on October 18, 2011

If you feel your roof has been compromised, you should file a claim.  I would suggest having a licensed roofer to come out and give you a write up on how the roof was compromised, if what they did will cause leaking and what the cost would be to repair the damage.  Contact the ISP and let them know you would like to file a claim.  Let them know you have something from a licensed roofer outlining the damage.  If they state to file with your homeowners insurance, advise them that you will not do that until they have provide you will a letter stating you have filed a claim with them and their disposition of that claim.  Before filing with your homeowners carrier, consider any deductible that you will have to incur (as you may or may not get that back during subrogation) as well as if the amount of repairs is worth tarnishing your claim history.


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