Why would my insurance only pay for half of my hail damaged roof? Then said OK, to 100%, after roofer talked to them! Why, 100% to them, half to me?

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 27, 2015

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Insurance Question from Antioch, IL

Asked on 03/27/2015

Why would my insurance only pay for half of my hail damaged roof? Then said OK, to 100%, after roofer talked to them! Why, 100% to them, half to me? 30 year old roof, some hail damage to about half the roof, agreed upon by the Insurance appraiser! Insurance said, "we only pay for the actual damage"! I got 5 similar cost estimates for a new roof. I didn't insure half my roof, they want me to replace half of a 30 year old roof, and not match besides? I'm not naive, but why would the insurance company acquiesce to a "roofer", but not their customer after I made the same argument to them? Kind of insulting, even if I get 100% of the replacement cost. Is the Insurance company now required to waive the 1K deductible too? Confused!?

Answer given on March 28, 2015

Under the homeowner insurance policy, damages to the home, including the roof are paid for the actual damage to the property. Since only half of your roof was damaged, then the insurance company was not willing to pay for the full cost of the roof. In addition, the roof was thirty years old, which is about the expected life expectancy of a roof. Many insurance companies depreciate damage to a roof, and in this case, there would be major depreciation taken on the damage.The conversation between the insurance company and the roofer may not have addressed the age of the roof. The adjuster may have agreed that the roof needed complete replacement, but may not have said the insurance company would pay for the entire roof.The waiving of the deductible is dependent upon the insurance policy. Some policies do waive the deductible if the loss exceeds a certain amount. Check your policy to see if that applies.

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