Must I make home owner repairs if I think the cause was missed by the insurance adjuster?
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 26, 2019
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 Gaithersburg, MD
Asked on 10/26/2019
Must I make home owner repairs if I think the cause was missed by the insurance adjuster? I believe wall and ceiling water damage was caused by ongoing Water leak at the soffit or roof. I have made multiple claims on this point that the insurance carrier denied resulting in policy cancellation. What can I do?
Answer given on November 07, 2019
Homeowner insurance provides coverages for damages to a home from “sudden and accidental” damage. If your damage was caused by an ongoing water leak at the roof or soffit, the insurance company may have been denying your claim since it was not a sudden damage, but a loss over time. Unless you can prove when the first damage was found, then the insurance company can deny the claim. By not repairing it on your own, the water damage has continued, and worsened, and could now involve a mold issue. Based on all of this, the insurance company may have decided to cancel the insurance.
The best thing you can do is to find a repair place and see if the water leak can be found and repaired. Once you are able to do this, you should be able to find a replacement homeowner insurance policy. It could start with a higher deductible, to be sure the repairs have been made, but then you could try for a lower deductible after a two or three year period.
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.