can home owner ask me to pay half of roof if insurance compny paid homeowner in full before i buy the home?
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UPDATED: Jul 19, 2012
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Insurance Question from Drivers, IL
Asked on 07/19/2012
can home owner ask me to pay half of roof if insurance compny paid homeowner in full before i buy the home? i have a contract to buy house owner was totld of roof damage she contacted her insurance company they paid her 12000 on damages she now wants me to pay 6000 on getting roof put on that is not in my contract to but house
Answer given on July 19, 2012
If you are in contract to buy a home and in the inspection it was determined the roof needed to be repaired, it is most likely that the seller is expected to pay for the repairs, especially since the insurance company has paid for the cost of the roof. The seller really does not have the right to expect you to pay for half of the cost so they can pocket the money.You should check with your mortgage broker or title company to see if there is a clause that the roof is to be repaired. If so, then the seller must pay the full amount, unless they are willing to reduce the cost of the home by the amount they are asking you to pay towards the roof. If there is nothing in the contract about the roof, then you may have to go back and renegotiate the deal with the seller or back out of the contract entirely.Obviously, the roof needs to be fixed, or you will have trouble getting insurance on the home when it closes. You may need to talk to an attorney about this situation since I know insurance, not contracts or law.
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