how can an insurance co say because they hve picturs of my roof that is the same clor as last tm andwill be this time that i did not fix it and theref

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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: May 30, 2012

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Insurance Question from Saint Louis, MO

Asked on 05/30/2012

how can an insurance co say because they hve picturs of my roof that is the same clor as last tm andwill be this time that i did not fix it and theref had a rof , gutter, facia cover, garage wrap etc done in 2002 theain in 2004 In 2004 it was doe dferely and I obviously did not understand that I could get more money so I did not file the depreciation part. So with that and a picture of hesame color roof they say I did not fix it. Unfrtunltey I do not have receipts from 8 yrs ago. I tried to get copies of checks from back then and the bank does not hve them/ only reqied to keep for 5 yrs by the government. So I have to keep longer??? Is there any recourse in this matter? I am retired ad on a fixed income and 8-10 G is hard to come by.

Answer given on June 30, 2012

It may be difficult to prove to your insurance company that you repaired your roof without having receipts for the work you say you had done. Being the same color of roof really should not be the stance that the insurance company is taking. If they have photos of the earlier roof, there should be damage showing that was caused by the storm. The new roof should not have the same damage on it.If you had a contractor do the work on your roof, they may have records of the work done. Usually a roof has some sort of warranty, so the contractor would probably keep records longer than eight years. Contact them to see if they have any proof of the work done.I’m not sure what kind of depreciation you are seeking from the insurance company. Depreciation is something the insurance company applies as a reduction to the amount they would pay. it is not an additonal amount that you could collect.

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