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 12, 2015

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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.


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