Old vs new hail damage

[smokinleroy]

I live in Texas and my roof has hail damage. There have been several large storms over the years, but I was never aware of any damage until recently. My roof is white and multi-faceted and now all sides facing north have dark streaks. I called my ins. agent and they asked for a date of the damage. I said I didn't have an exact date, but there had been several storms over the years. My next-door neighbors had their roof replaced in 2003. I noticed they had a roofer sign in the yard again and asked about it. They said there was a storm in May of this year and they are getting another roof. I called my agent back and gave them the date of the recent storm. They filed the info and now an agent is scheduled to come out on Oct 19 to inspect. I have State Farm and believe there is a 1-yr deadline for filing hail damage claims. The roof is 13 years old. My question is if they determine that much of the hail damage is old, should they still pay out as if all the damage was from the recent storm?

[Zigner]

Google: Insurance Fraud

[Banned_Princess]

Originally Posted by smokinleroy

I live in Texas and my roof has hail damage. There have been several large storms over the years, but I was never aware of any damage until recently. My roof is white and multi-faceted and now all sides facing north have dark streaks. I called my ins. agent and they asked for a date of the damage. I said I didn't have an exact date, but there had been several storms over the years. My next-door neighbors had their roof replaced in 2003. I noticed they had a roofer sign in the yard again and asked about it. They said there was a storm in May of this year and they are getting another roof. I called my agent back and gave them the date of the recent storm. They filed the info and now an agent is scheduled to come out on Oct 19 to inspect. I have State Farm and believe there is a 1-yr deadline for filing hail damage claims. The roof is 13 years old. My question is if they determine that much of the hail damage is old, should they still pay out as if all the damage was from the recent storm?

Insurance fraud, and theres no way there going to pay you anything for old damage. and they will drop you, if not press charges for fraud, which you are OBVIOUSLY committing.

[smokinleroy]

The old damage would have been covered under my policy had I been aware of it and filed a claim. The damage became apparent after the filing deadline. If there had been no old damage, the new damage alone would be enough to merit a new roof, since the same storm damaged my neighbors' roof enough for it to be replaced. If I had filed a claim earlier, they would have replaced the roof then, and again, now for the new damage.

[Zigner]

HOWEVER - you are reporting ALL of the damage as having occurred on a specific date.

Good luck.

Originally Posted by smokinleroy

The old damage would have been covered under my policy had I been aware of it and filed a claim. The damage became apparent after the filing deadline. If there had been no old damage, the new damage alone would be enough to merit a new roof, since the same storm damaged my neighbors' roof enough for it to be replaced. If I had filed a claim earlier, they would have replaced the roof then, and again, now for the new damage.

[Banned_Princess]

Originally Posted by smokinleroy

The old damage would have been covered under my policy had I been aware of it and filed a claim. The damage became apparent after the filing deadline. If there had been no old damage, the new damage alone would be enough to merit a new roof, since the same storm damaged my neighbors' roof enough for it to be replaced. If I had filed a claim earlier, they would have replaced the roof then, and again, now for the new damage.

Does the company have pics of your house at any renewal or at inception? No they dont let damage " build up " then give you a new roof.

Do you like your rate and company?

They only owe you what the new damage did to a already damaged roof. not a brand new one. Thts like crashing the car a few times before calling it in, and expecting a new car.


So whatever. claim what you want and deal with whatever they send you, and whatever happens to you, if anything.

What is it you want to know, since you already know.?


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[RoyceB]

If houses in your area are hail damaged from a recent storm, likely your house is damaged from the same storm. Most homeowner's do not realize that when a Catastrophic event occurs and you suspect you have suffered damage, it is your responsibility under your policy to take immediate action to limit further damage and FILE A CLAIM.

Don't call the local agent who knows little if anything about catastrophic damage. Call the CAT line for your carrier. If it is State Farm, that number is 800SFCLAIM. When they ask the date of the storm damage, give them the date you know to be correct which you got from your neighbor. If your have RCV (Replacement Value Coverage) which you most likely do, all the arguments I have seen here are irrelevant. Fact - a storm did come through which is documented. Roofs in the area have been destroyed and being replaced. That's all that matters.

In my 20 + years experience as an Insurance Restoration Specialist and as an Insurance Adjuster I have NEVER seen a company argue old vs. new damage UNLESS they previously paid a claim for that damage, and the insured went to Vegas or something instead of repairing the damage and is now trying to collect again. Unless you have done the latter, file the claim based on the date you know instead of speculation, speculation. It is highly likely you don't even know what qualifies a roof for replacement from storm damage so don't get off into that. Have the carrier send out their Adjuster and if at all possible, have a storm damage qualified contractor meet them for the inspection. Don't speculate it to death just Getter Done!

[Zigner]

Originally Posted by RoyceB

If houses in your area are hail damaged from a recent storm, likely your house is damaged from the same storm. Most homeowner's do not realize that when a Catastrophic event occurs and you suspect you have suffered damage, it is your responsibility under your policy to take immediate action to limit further damage and FILE A CLAIM.

Don't call the local agent who knows little if anything about catastrophic damage. Call the CAT line for your carrier. If it is State Farm, that number is 800SFCLAIM. When they ask the date of the storm damage, give them the date you know to be correct which you got from your neighbor. If your have RCV (Replacement Value Coverage) which you most likely do, all the arguments I have seen here are irrelevant. Fact - a storm did come through which is documented. Roofs in the area have been destroyed and being replaced. That's all that matters.

In my 20 + years experience as an Insurance Restoration Specialist and as an Insurance Adjuster I have NEVER seen a company argue old vs. new damage UNLESS they previously paid a claim for that damage, and the insured went to Vegas or something instead of repairing the damage and is now trying to collect again. Unless you have done the latter, file the claim based on the date you know instead of speculation, speculation. It is highly likely you don't even know what qualifies a roof for replacement from storm damage so don't get off into that. Have the carrier send out their Adjuster and if at all possible, have a storm damage qualified contractor meet them for the inspection. Don't speculate it to death just Getter Done!

Please do not advise our posters to commit insurance fraud.

[Banned_Princess]

Originally Posted by Zigner

Please do not advise our posters to commit insurance fraud.

Should you bounce him for that?

[Zigner]

Originally Posted by Banned_Princess

Should you bounce him for that?

Nah, it's the first post. He's got the opportunity to redeem himself still

[moburkes]

Guys...
Generally you have 3 years to file a claim. If State Farm was the insurance company during the past 3 years at the least, the claim will be covered, but, yes, OP needs to inform the adjuster the damage was likely due to several storms, not just the most recent one.

[smokinleroy]

State Farm has been the company for the last 14 years. I already told my agent's office that the damage is likely from several storms over the years.

[ecmst12]

Most likely they are not going to pay you 100% of the replacement cost of a new roof ANYWAY, since your roof was so old. Of course that depends on how the policy is written. My dad just filed a claim for hail damage on his roof which was almost 20 years old and they paid him half the cost to replace the roof.

[tammy8]

And if this damage was due to multiple storms, won't the deductible for *each* time the damage occuried?

[Banned_Princess]

Originally Posted by tammy8

And if this damage was due to multiple storms, won't the deductible for *each* time the damage occuried?

That would be great, but I have never ever heard of that happening.

I have heard claims' denying for old damage, and there are some that just pay for it like whatever.

So I guess it totally depends on the company. and of course policy.

But if OP was going to do it anyway, and knew what he wanted to do, why did he ask? lol.