My home roof was in good shape before a thunderstorm with large hail damaged the roof, my insurance co. doesnt want to pay to fix it, should they ?

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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: Mar 20, 2012

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Insurance Question from Knoxville, IA

Asked on 03/20/2012

My home roof was in good shape before a thunderstorm with large hail damaged the roof, my insurance co. doesnt want to pay to fix it, should they ? My roof was in good repair prior to a hail storm which left bits and pieces of my roof on the ground. The shingles were 25 yr garantee and they were 19.5 years old. My insurance adjuster says sorry we are not in the business to replace old roofs you just need to replace it and be done with it. After 5 roofers were on the roof and looked it over all 5 said, YES hail damage and we have replaced older roofs in better repair than yours on insurance claims with other companies! When I asked for another adjuster to look at the roof, the same one came out again and told me the same thing again!

Answer given on March 22, 2012

If the roof shingles were in good repair before the hail storm that damaged your roof, your insurance ocmpany should be willing to pay for at least a portion of the replacement cost of the roof.Many insurance companies will depreciate a roof, based on its age and condition, if it is damaged. They will not be willing to pay the full cost of repair since the roof is not new. You should read your policy to see if there is anything in it that says they will not repair or replace the roof for any reason.You should ask to speak to a supervisor in the claims department and see if you are more successful with them. See if any of the roofers will attest to the fact the roof was in good condition before the storm. This may help in your cause to get repairs done, at least in part.

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