Quote:
Originally Posted by Janice1877
I need some advice. My home is 15 years old. I called a roofer that has been highly recommended on this site as being honest. He told me he couldn't inspect my roof or my insurance company (US Coastal, Cabrillo thru The Villages Insurance) would say he damaged the roof and wouldnt cover any damage. He then told me if I called Cabrillo to inspect it they would deny and then cancel my insurance since it's 15 years old. He also said if i tried to change insurance companies they would not cover until I replaced my roof. With hurricane season approaching I would like to know that my roof is in good shape. Many houses on my street had damage from the storm and have had their roof replaced. I don't want to claim something if it's not true, but i also would like to have it replaced or fixed if it was damaged in the storm. If it wasn't damaged by storm but needs to be replaced due to age I am more than willing to do so. But how do I find out? Does anybody have any ideas what I should do?
|
I would call the insurance company and ask them to determine if you have a valid claim for weather damage. They will send out an adjuster and either pay a claim or not. Then, you can get your roof replaced. But, I would not use the roofer you talked to because I think he gave you bad advice. The insurance company already knows how old your roof is, and they are not going to cancel your policy just for calling them. And, the roofer could have inspected the roof without walking on it by using a ladder, binoculars, and a camera. Also, you should get a reduction in your insurance rate when you get a new roof.