Why would my insurance only pay for half of my hail damaged roof? Then said OK, to 100%, after roofer talked to them! Why, 100% to them, half to me?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Mar 27, 2015
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.
Insurance Question from Antioch, IL
Asked on 03/27/2015
Why would my insurance only pay for half of my hail damaged roof? Then said OK, to 100%, after roofer talked to them! Why, 100% to them, half to me? 30 year old roof, some hail damage to about half the roof, agreed upon by the Insurance appraiser! Insurance said, "we only pay for the actual damage"! I got 5 similar cost estimates for a new roof. I didn't insure half my roof, they want me to replace half of a 30 year old roof, and not match besides? I'm not naive, but why would the insurance company acquiesce to a "roofer", but not their customer after I made the same argument to them? Kind of insulting, even if I get 100% of the replacement cost. Is the Insurance company now required to waive the 1K deductible too? Confused!?
Answer given on March 28, 2015
Under the homeowner insurance policy, damages to the home, including the roof are paid for the actual damage to the property. Since only half of your roof was damaged, then the insurance company was not willing to pay for the full cost of the roof. In addition, the roof was thirty years old, which is about the expected life expectancy of a roof. Many insurance companies depreciate damage to a roof, and in this case, there would be major depreciation taken on the damage.The conversation between the insurance company and the roofer may not have addressed the age of the roof. The adjuster may have agreed that the roof needed complete replacement, but may not have said the insurance company would pay for the entire roof.The waiving of the deductible is dependent upon the insurance policy. Some policies do waive the deductible if the loss exceeds a certain amount. Check your policy to see if that applies.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.