is it the law to replace the entire roof is that is what the check was issued for?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 12, 2015
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Amarillo, TX
Asked on 10/12/2015
is it the law to replace the entire roof is that is what the check was issued for? An adjuster was sent out to inspect the metal roof. He said there was hail damage and it needed replaced. Few days later received insurance check. Roofers come out and say parts need replaced, and parts need repaired. Is it legal to only repair the roof in the spots needed and replace where it is needed and not replace the entire roof?
Answer given on October 21, 2015
If you filed a claim with the insurance company for damage to your roof and were paid for the full amount to do the full replacement, you should make the full repairs. You can do a partial repair, but if there is a future claim for damage to your roof, the insurance company may decline to pay for the repairs since you did not replace the roof as was determined.The roofer can do the partial work and you can keep the difference in funds, but make sure you will be able to afford to repair the roof in the future. Think if you are really saving enough money to make the decision for the partial work only. Have the roofer advise how much longer the roof will last if it is only repaired. The insurance company may come back and inspect the roof to be sure it is properly repaired. If they find only a part of the authorized work is done, they may ask for the difference in the money paid and the work done.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.