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: Feb 18, 2012

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Insurance Question from Loganville, GA

Asked on 02/18/2012

roof claim denied. roofer and ins. company seemed to be work together. 67 yr mother was not told by ins.company that an adjuster need to see roof 1st. my mother contacted her insurance agency about having her roof replaced. she was told about a company. the insurance person contacted the company and gave them my mother's number. The roofing co. called and sent an employee to her house. The employee never spoke to my mother. the roofing company then contacted my mother and sent her paperwork to sign. The insurance company contacted my mother and asked her what color shingles she wanted black or brown. the roofing co. started work. then the adjuster called my mom. she did not know an adjuster needed to see her roof first. her claim was denied.

Answer given on February 19, 2012

If an adjuster was involved in the claim for the repair of your mother’s roof, they should have made it clear that they needed to see the roof before any repairs began. Since the insurance company recommended a roofer, it seems the roofer’s determination of the condition of the roof should be sufficient information for the insurance company.Have your mother talk to her agent to see if they can intervene for her in this case. Also ask the roofer to contact the insurance company since they were sent out to view the roof. If your mother has the name of the person from the insurance company who called about the color of the shingles, that too will be most helpful. If she cannot get any settlement, ask her to talk to a supervisor from the claims department and review the entire claim with them. Again, any dates and names from the contact will help your mother in this case.


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