I'm in Mississippi. Back in December I filed a claim for damage to my roof. I had the adjuster come out around the beginning of February and he told me that there wasn't enough damage to do anything. I told him how my roof was leaking and the 5 minutes total he spent at my house couldn't be enough to determine anything, especially since he didn't even look at all the damage. I called a roofer, who's son came by to take a look. He took pictures and told me that we needed a new roof. There was hail damage, shingles flopping/bending back in the wind and enough damage to warrant an entire new roof. With this new information in hand, the adjuster came out to meet the roofer. This time, the father (owner of the roofing company) came out. After a 5 minute conversation on my roof that I couldn't hear, they agreed there was not enough damage to even make it to my $500 deductible.
Now, at this point it's clear that someone has lied to me. But who was it?
We chose not to worry about the damage if it wasn't that bad, and as the adjuster suggested glued a few shingles back down. We received a letter a week later from the insurance that we were responsible for the damage.
This week, a hail storm came through and beat on my roof again. I'm not a roofer, I don't know that it was damaged at all, or if it was how bad.
My question is, will the past damage influence any claim from the suspected new damage? Can they deny a claim because we didn't fix the first damage even though they didn't pay anything out on a claim? I would argue that they didn't give us anything so the damage is still the damage....the fact that they saw it but didn't fix it shouldn't affect the fact that it might now be worsened?
Any and all thoughts please. I honestly don't even want to have to pay my deductible to get damage fixed, I can't afford it now. But it's better than having something worse happen later because it wasn't fixed. All I really want is for someone to tell me the truth.
Now, at this point it's clear that someone has lied to me. But who was it?
We chose not to worry about the damage if it wasn't that bad, and as the adjuster suggested glued a few shingles back down. We received a letter a week later from the insurance that we were responsible for the damage.
This week, a hail storm came through and beat on my roof again. I'm not a roofer, I don't know that it was damaged at all, or if it was how bad.
My question is, will the past damage influence any claim from the suspected new damage? Can they deny a claim because we didn't fix the first damage even though they didn't pay anything out on a claim? I would argue that they didn't give us anything so the damage is still the damage....the fact that they saw it but didn't fix it shouldn't affect the fact that it might now be worsened?
Any and all thoughts please. I honestly don't even want to have to pay my deductible to get damage fixed, I can't afford it now. But it's better than having something worse happen later because it wasn't fixed. All I really want is for someone to tell me the truth.