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| *Loan,banking and credit>>>homeowner insurance |
Can you take a homeowners insurance company to court??? |
I am asking because we had hail damage on our roof and it need to be replaced. They sent us a check to cover the cost of new shingles and etc., however when the roofers started tearing the old shingles off today, we discovered that there never was any plywood underneath.... It looked kinda like old hard wood flooring (the thin slats of wood) with huge gaps and holes everywhere... The guy had said that he was shocked that our roof hadn't leaked yet. When we called our insurance company to request addition funds... (2500 dollars) they refused to pay and basically said we were on our own.... I have been taking pics of everything, and I was wondering if you can take them to court or not and make them pay it?? We have used the same company ever since we purchased the house (5 years) and have never made any late payments. The only claim ever made to them is now for the roof... What are our rights???? Thanks for your help!!! The answer to your questions is Yes, you can sue your home owners insurance company. You should get a REALLY good lawyer as insurance companies tend to have some of the best around (they play this game a lot and hate to lose). Before you do so, you need to really read your policy. If it doesn't make sense, you may want to chat with a lawyer for assistance with that as well. Many insurance policies have limitations where they are only required to do repairs that restore the condition before the damage. Since the roof did not have under-layment before the damage, they may not be required to upgrade the roof. To me it sounds like the insurance company have done there part. You should try to go after the people who put on the original roof if the house is not that old ,or previous owners or???... i dont like insurance companies as a rule but i think there in the clear on this one MAYBE YOU CAN GO AFTER HOUSE INSPECTOR FOR NEGLIGENCE, SAYING YOU WOULD NEVER HAVE BOUGHT THE HOUSE IF YOU KNEW Your insurance company can't be held responsible for faulty construction. I'm surprised that this wasn't caught during the intitial home inspection you should have had before purchasing the home. No doubt the easiest way to get insurance quotes is on the web. Why would you waste your time on the phone calling around? the last time i needed quotes on insurance i used one of these comparison sites and it was great. this is the site i used and it was quick like less than 5 mins. The last thing I want to do is listen to elevator music while waiting for a salesman. Anyway I got good quotes and ended up saving money so I was happy. So shop around and compare quotes which is easy on the net. Good starting point is at this site. http://insurance.deal4-you.com Good luck. |
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