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No. But as the insured (that is you) it is up to you to maintain your house in good repair.
Insurance is there to cover the risk of unforeseen, accidental damage to your property not to replace parts that are wearing out naturally.
If you fail to maintain the roof of your property in good repair the insurance company may refuse to pay out if your roof blows off. After all the damage would not be accidental if it happens because of poor maintenance.
What else can I help you with?
How quickly will an insurance company repair or replace your roof tiles after they are damaged in a hail storm?
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Can an insurance company pay to replace only a portion of a roof after hail damage?
Probably only if you have full coverage. Otherwise the Insurance company will deny you.
Am I required to use insurance money to replace roof?
Insurance companies grant money to correct issues from claims. If a person receives money to replace a roof from an insurance company, the money should be used for the repair. If a person decides to not use the money to replace the roof, there could be issues selling the home. The value of the home could decrease. Another issue a person may encounter is the risk of other damages resulting from the roof not being repaired. The insurance company may not cover damages to the home as a result of the roof not being replaced.
If you were paid by an insurance company 6 years ago to get a new roof but did not and now have a different insurance company on the same house can you make a claim on the roof with new company?
You can make a claim, but if you are claiming the same damages that is insurance fraud and it is a federal crime. If you have unrelated damages you can make a claim, or you can disclose the prior claim to your insurance carrier and they will advise you if there is any coverage that would apply.
Your insurance will not renew because you need to replace the roof the bank will not provide you with a loan to repair it if you do not have insurance what do you do?
The only option you have is to pay for the roof repair yourself, unless the roof damage was caused by a peril covered by your current policy. Another option might be to speak with a senior underwriter from the bank, they may be willing to make an exception if they can make the check out to the roof repair company directly. Good luck!
If you loose roof shingles will your homeowners policy cover the cost to replace?
A call to your insurance company describing why the shingles were lost will answer your question.
If homeowner fails to replace a bad roof and it caves in does insurance company pay?
No,, homeowners insurance does not cover normal maintenance costs nor damages that result from lack of maintenance.
Is it ethical for an insurance company to do a house inspection that requires you to replace your roof after you have started the policy and canceled your old insurance?
Yes it's ethical. You would also find that info in your policy. If the insurance company is telling you that you need to replace your roof, you need to. It is in your best interest and it will prevent a future claim which is also in your best interest. 4lifeguild
If insurance company sends a check for roof replacement and one get it 'fixed' does he has to send the money back to insurance company?
Most policies will pay for roof damage on an "Actual cash value" basis until the roof is replaced. Then, IF you have replacement cost coverage they will make up the difference of the amount paid under actual cash value and actual replacement cost, LESS the amount of your deductible. If you elect not to repair or replace the roof, your insurance company could exclude your roof from further damage or additional payments until you show the monies paid to you were used to repair or replace as indicated by their estimate and claim payment. Otherwise, the money is yours unless the home is mortgaged. If it is mortgaged, the check should have been made to you and the mortgagee, and if the mortgagee endorses it it is yours.
Do you have to replace roof with the insurance check or can you pay other bills?
I work for an insurance repair company, and yes - if the insurance company has paid you directly for the roof repairs, you can certainly use the money any way you wish. However, if your roof leaks in the future, and say something horrible happens - like your ceiling falls in - the insurance can deny covering any of those damages based on the fact that they paid you to get the roof fixed - which you never did. You could end up with more roof damages than you have now, as well as damages to the inside of your home, which would also be denied.
Is hiring a licensed company to do roof repair work necessary?
Do I need to get a licensed company to do my roof repair work? For insurance reasons?
Is it an Ohio law if the insurance company can't match the shingles do they have to replace the whole roof?
No, There is no such law. What the company will pay for the repair of your roof is dependent on what type of policy you bought and the age of your roofing material. If you bought an HO1, the cheapest Home Insurance Policy then you probably have cash value coverage. The company will only pay to repair the damaged portion of your roof. Match and asthetic issues are generally excluded from coverage under the HO1 If you bought an HO2 or HO3 policy then you may have full replacement value coverage, in which case they will pay whatever it cost to replace the entire roof. Match issues are addressed in your Insurance Policy Contract you agreed to when you purchased your insurance.
