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NNBR: Roofing/Homeowners Insur. Questions (Jess and Others?)
I have no idea if any of you ladies have any experience (maybe Jessica6283), but Im looking to get some insight as to whether I have a good reason/can even make a claim on my homeowners policy:
Less than 5 years ago (End March 2007), the back, flat roof on our house leaked due to ice/snow damage. My MIL (who owned the house at the time), made a claim against homeowners and got the whole back roof replaced and the ceiling in the master BR re-sheetrocked.
Flash forward to this year. That whole back part of the roof is leaking again... Its REALLY bad, and Ive had several contractors come out, all of whom told me that the previous guy did a shoddy/crappy job on the roof, and did it incorrectly.
I had contacted the old roofer, and even though he gave a 5 year warranty on the job, he refused to come out and look at he damage/bad roof because 1. The Materials company he used went bankrupt and so he cant recoup any costs from them and 2. He himself is going under bankruptcy proceedings (surprise, surprise), and he said his lawyer told him he cannot step foot on another roof until its resolved.
So here are my questions:
1. Would this be something that my homeowners insurance would cover? I know they dont normally cover new roofs for wear and tear, but would they cover a bad roof due to shoddy workmanship?
2. If they dont cover it - is this worth pursuing in small claims? Chances are if he really is in bankruptcy proceedings, I wont ever recover any money, bu maybe its the satisfaction of it all?
Rawr. Also a vent... Ive gotten two quotes so far for the re-roofing/sheetrock job... and they are SOOOO different, I cannot understand why - one company quoted me $2500 for the whole thing, another company quoted me $4800... The sad thing is, I think I trust the more expensive company more...
This discussion has been closed.
Re: NNBR: Roofing/Homeowners Insur. Questions (Jess and Others?)
I don't know about the claim, but that really sucks. I don't understand why roofers don't seem to know how to do their own job, but it seems super common to have these sorts of problems. When you look for a roofer, find someone who has been doing it a LONG time. Google their business name AND the owner/roofer's name. Don't pay up front, pay a deposit and the rest upon completion or in phases depending on the size of the job. If your DH doesn't know much about roofs, I would consider asking a home inspector (like you would use when buying a house)to stop by and just look at the roof when the roofers a finishing to be sure they are doing it right before you make the final payment. You would need to pay the inspector, I don't know how much, but it may be worth it just because there are so many bad roofers out there.
When I sold real estate, I used to use recommend Full Phase for roof estimates. A couple of my clients used them and were happy. The owner's mother was an agent in my office.
Gah! I hate to be the insurance "voice of reason" but it won't be covered by your insurance company. Esp. since the people that have looked at it have specifically said the previous guy did a crappy job. I'm sorry, T, I know that you had mentioned this as an issue way back when.
I would pursue it in small claims court. He's obv. talked to an att about it, and it clearly has a waranty on it.
Good luck!
GRRRRR - the only problem with the warranty is that I *Think* I wont have a leg to stand on in small claims court because apparently warranties like this dont transfer to new owners? I mean, its worth a shot anyways, but I was really hopig that insurance would cover a poor workmanship claim.
This really sucks.