Can I add another insurance claim? (read details!)
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UPDATED: Sep 13, 2011
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Insurance Question from Bentleyville, OH
Asked on 09/13/2011
Can I add another insurance claim? (read details!) I got money from my home insurance company for a new roof and chimney, the roofers caused extensive interior damage due to the roofers opening the roof while a storm occurred while exposing the shingles. They caused $6900 in damage repairs inside the home. I wanted to know if i can go after my insurance company for the money, damage that was caused. Can I file a second claim, the first one was to fix my roof, should my insurance company be liable to pay for the damages caused by the roofers. They have already placed a Mechanic Lien on my property.
Answer given on September 18, 2011
It is unlikely that your insurance company will accept a claim filed for damages caused by the roofers in repairing your home. The homeowner policy usually excludes improper repairs or construction. You should check your policy to see if there is such an exclusion.It seems that you should file a claim against the roofer for the damages caused by them during the repair to your home. This is negligence and it should be considered their fault. I suggest you contact their insurance company to file such a claim. If they refuse to give you their insurance information you should be able to get the information from the state board that governs them. Most of the time this information is available online. Also, your insurance company may have their insurance information since they were authorized to do the repairs to your home.I’m not sure why the roofer filed a mechanics lien on your home unless you have not paid for the roof repair. If that is the case, you can possibly use this as leverage against them.
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