We had severe winter storms and my adjuster said the problem was legit for claim, but that adjuster was wrong on the actual cause.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Apr 24, 2012
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 Penn Hills, PA
Asked on 04/24/2012
We had severe winter storms and my adjuster said the problem was legit for claim, but that adjuster was wrong on the actual cause. We had ice and snow damage to roof and shingles, but the adjuster made a bad diagnosis of the cause and paid for repairs that did not actually stop the leakage. The repairs were made about a year ago and now the exact same area is leaking. Can I go back and reopen claim?
Answer given on May 19, 2012
If you had storm damage to your home that was paid by the insurance company, but the repairs did not actually fix the problem, you can ask them to go back and re-open the claim. It seems that the repair person should have been able to determine if the repairs were what was needed, but perhaps it was an error by both of them.The adjuster could refuse to re-open the claim or may say it is a new claim and your deductible will apply again for the new repairs. Sometimes it may seem the same area is the cause, but it may not be. Water damage claims to the roof are often hard to resolve if the exact location of the damage is not properly determined. Explain to the adjuster that it appears it is the same location and cause, to try to encourage him to re-open the claim rather than starting another, sincew it would look better to have only 1 claim, rather than two on your policy.
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.