Does homeowners cover damage caused by a half completed roof?

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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: Dec 10, 2011

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Insurance Question from Gwynedd, PA

Asked on 12/10/2011

Does homeowners cover damage caused by a half completed roof? A friend of mine had a roofer solicit his townhouse neighborhood. He, and two of his neighbors paid the roofer for a new roof. He and one neighbor unfortunately paid with cash and the other neighbor paid with a check. The roofer ripped off his roof and re-shingled half of it and then disappeared without doing anything to either of the other two roofs. Then the rains came, blew of the tarping, rain poured into his house and now his ceiling just caved in. Wondering if this is covered under his homeowners? Any info would be greatly appreciated... Btw, he has a policy with State Farm.

Answer given on December 10, 2011

Homeowner insurance policies generally pay for water damage to the interior of the home if the roof should fail or leak. It will usually not pay to repair the roof itself if it is inadequate, old or damaged. Based on this, the roof part of the loss would most likely not be covered by the insurance company.Many insurance policies have an exclusion for faulty or inadequate construction. If the insurance policy includes this exclusion, the insurance company could deny damages based on the exclusion.Your friend needs to call his agent and report the claim. The adjuster will call and take a statement and go out to see the damages to the home. They will then determine if there is any coverage under the homeowner policy. The length of time between the disappearance of the roofer and the rain storm may have an impact on whether the insurance company will pay for the damages or not.


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