I had roof damage last year that I didn’t claim.Iam no longer with the same insurance company I was non-renewed because they moved out of the state.

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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: Sep 23, 2015

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Insurance Question from South Lebanon, OH

Asked on 09/23/2015

I had roof damage last year that I didn’t claim.Iam no longer with the same insurance company I was non-renewed because they moved out of the state. Now that I look at the roof there is more damage than I thought. Can I still file a claim against my old company.

Answer given on September 29, 2015

If you did not file a claim for roof damage and now have been non renewed, you still may be able to file a claim for the damages to your roof.You need to review your insurance policy to see what time limitation may be in the policy for filing such a claim. If you are within the limit, you can file the claim. Your deductible will apply, and it will show as a claim against your insurance. This can affect your rates with a new insurance company. However, you may not be able to get insurance with a new company until the roof is repaired, depending upon the extent of damage. Make sure you will get a sufficient amount of money for the repairs before you file the claim, by getting an estimate for the damage. If there is enough damage, then go ahead and file the claim. The insurance company may fight you since you delayed the claim, but they will eventually offer some sort of settlement.

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