Got a notice from my ins. co that there is a sag in roof and it must be replaced by 5/2012 or they will drop policy. Can I still make claim b4 that?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 9, 2011

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Insurance Question from Marion, OH

Asked on 03/09/2011

Got a notice from my ins. co that there is a sag in roof and it must be replaced by 5/2012 or they will drop policy. Can I still make claim b4 that? I did not know that there was a sag in the roof until I received notice that the insurance co. came and took pictures of my property. They now say an endorsement is being placed on my policy until the roof is replaced, and if i don't by May 2012, my policy will be dropped. I am wondering if I get an estimate to get it fixed can I still make a claim on the insurance for it.

Answer given on March 11, 2011

The sag in your roof may not be a covered item.  Insurance companies pay for damages to a roof caused by a storm, winds, falling objects.  If the sag is simply a maintenance issue, or caused by a roof that is old, the insurance company would not be responsible for the roof. Insurance is for sudden & accidental loss or damage, not simply to maintain the home. Since the company contacted you regarding the roof, it is most likely they feel it is not a loss they would pay for but rather a maintenance issue.

I would suggest that you contact a roofer and ask them to check out the sag and see if they can determine the cause.  If it is due to age, I would recommend that you get the roof replaced before May of next year, since it will be very difficult to find a replacement insurance policy when you are non renewed by the prior company.

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