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: Oct 8, 2011

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Insurance Question from Selma, NC

Asked on 10/08/2011

I had damage from hurican irene to my roof and siding. ceiling fell in also had a leak around my sliding glass door and did not realize it because iamerican modern home ins co paid us $122.29 for damages said it was our fault because we did not keep up our home. How was I to know that water had run under my kitchen floor and I did not have any idea my roof was leaking from all the till the ceiling fell in, now that dont want to pay for anything but the siding What should I do I don;t hve the money to have a new roof

Answer given on October 09, 2011

Was your roof in visibly poor condition before the storm? Does your ceiling in your home show any prior water damage or leaking?  If the answer to both of these questions is “no”, then you should contact your department of insurance in the State of North Carolina and file a complaint. Explain in your letter or complaint that you feel the insurance company is denying your claim in bad faith. It is possible that you can be unaware of a leak until it causes further damage. You may want to also consult a lawyer to give you guidance on how to pursue your insurance company and claim your damages.  To contact an attorney in your state, click here        


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