I had roof damage last year that I didn’t claim.Iam no longer with the same insurance company I was non-renewed because they moved out of the state.

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: Sep 23, 2015

Advertiser Disclosure

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 South Lebanon, OH

Asked on 09/23/2015

I had roof damage last year that I didn’t claim.Iam no longer with the same insurance company I was non-renewed because they moved out of the state. Now that I look at the roof there is more damage than I thought. Can I still file a claim against my old company.

Answer given on September 29, 2015

If you did not file a claim for roof damage and now have been non renewed, you still may be able to file a claim for the damages to your roof.You need to review your insurance policy to see what time limitation may be in the policy for filing such a claim. If you are within the limit, you can file the claim. Your deductible will apply, and it will show as a claim against your insurance. This can affect your rates with a new insurance company. However, you may not be able to get insurance with a new company until the roof is repaired, depending upon the extent of damage. Make sure you will get a sufficient amount of money for the repairs before you file the claim, by getting an estimate for the damage. If there is enough damage, then go ahead and file the claim. The insurance company may fight you since you delayed the claim, but they will eventually offer some sort of settlement.


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.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption