If you have hail damage on a steel roof andthe insurance company pays you, what is the future liabilty if you don’t replace the roof?

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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: Jun 25, 2012

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Insurance Question from Havana, MN

Asked on 06/25/2012

If you have hail damage on a steel roof andthe insurance company pays you, what is the future liabilty if you don’t replace the roof? The roof is steel and a ton of hail damage, no leaks and no breakthroughs, just all dented up

Answer given on June 29, 2012

If your roof is damaged due to a storm, and the insurance company pays you to repair the roof, it is expected that you will make the repairs. If there is damage done to the roof in the future due to another storm, the insurance company will most likely be able to determine that you did not make the original repairs and may refuse to pay for any repairs due to the second storm. they could agree to pay for the second damage, if it can be determined which happened later, but they will most likely require proof of the repairs before they will issue a check for the second damage.Insurance is intended to allow you to repair damage to your home caused by an insured loss. It is your responsibility to make those repairs so that your home is in good condition in the event of a second storm. Usually the insurance company will make a check payable to the contractor or you and the contractor to make sure repairs are made to a home.

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