can I file a claim if

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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: Jan 29, 2012

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Insurance Question from Dallas, TX

Asked on 01/29/2012

can I file a claim if I bought a house that needed a roof job because of a sag in front of home and leaks and had it re-roofed which I paid cash for back in August 2011. I then had the town home insured the same month. Now, in January 2012 my skylight is leaking worst and the sag is getting worst. The roofer says it's not his problem. I found out from another contractor the sag is coming from missing purlin braces in the attic. Will the insurance cover me getting the braces needed in the attic before the roof caves in completely.

Answer given on February 01, 2012

If you purchased the home and replaced the roof you can see if the insurance company will pay for any repairs to the roof. If the skylight was leaking, and you did not replace it at the time the roof was replaced, the insurance company could deny the claim as being previous damage before you owned the home. If it turns out the work done by the roofer was faulty, your insurance company may deny the claim. Most homeowner insurance policies now exclude faulty work and construction.The roofer who did the work should have seen that there were missing braces in the attic when he pulled off the roof. At that time he should have advised you of the problem and fixed it before replacing the roof. Again, if there are missing braces in the attic the insurance company may consider that faulty construction and refuse to repair the items.Talk to your insurance agent and see what they recommend regarding a claim. It is not in your best interests to file a claim that will be denied, since it will still show as a claim on your record.

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