Can I file a claim for new storm damage to roof even if previous insurer paid for replacement 2 yrs ago. I repaired roof back then.

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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 24, 2010

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Insurance Question from Port Allen, LA

Asked on 08/24/2010

Can I file a claim for new storm damage to roof even if previous insurer paid for replacement 2 yrs ago. I repaired roof back then. NULL

Answer given on August 25, 2010

Of course you can file a claim for your roof.  However, the new insurance company may have access to information showing the previous company paid for a full roof. While your repair of the roof may have been proper, your new insurance company may feel you did not do the right thing by only repairing the old roof.  Your new company may take into consideration that you only repaired the roof and offer a reduced amount for the damage from the new storm.

You should discuss this with your insurance agent.  I don’t know if he is the same agent as before, but he may be able to work on your behalf for the best possible settlement on the recent damage. I do recommend that going forward, if you are paid to replace a roof you do so, to avoid any problems if there are new damages to the home.

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