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Posted by on April 17, 2008, 7:39 am
wrote:
> =A0 =A0 I suggest contacting your state insurance oversight authority and =
see
> what they say. =A0 Keep in mind your roof is at or close to the end of its=
> useful life (15 years?) =A0 You also may want to contact your local agent.=
>
> =A0 =A0 How long have you been insured with Allstate? =A0 Was your roof th=
e only
> one in the area damaged?
>
> =A0 =A0 Have you looked carefully at the coverage document to see if what =
they
> are saying is not consistent with what you find there?
I agree. I'd examine the policy and see exactly what it says. It
would seem very unusual for there to be exclusions for something not
up to current code. That would mean the instant the code changed, you
would no longer have coverage. And who could expect a homeowner to
even know what the current code is?
But also key is the overall condition of the roof at 15 years, how
high the wind was, were other homes damaged, etc. We also don't know
how extensive the damage is. Unless it's extensive, the insurance
company is probably only responsible to repair the damaged sections.
If the policy doesn't have any exclusion and the facts support your
case, next steps are state regulatory agency and then possibly small
claims court.
>
>
> > Beware Allstate. =A0My house was built in 1993 and met all building
> > codes at that time. =A0Now I have wind damage and they will not cover
> > damage because the roof is not up to current code. =A0We are simply
> > talking about the nailing strip on a single and its relationship with
> > the glue strip. =A0I've had several roofers tell me that this is the way=
> > roofs were put on at the time and the code has changed since. =A0If this=
> > is allowed then I'm not sure it pays to have insurance. I'm putting on
> > a new roof out of my pocket and leaving Allstate and will never return.
>
> --
> Joseph Meehan
>
> =A0Dia 's Muire duit
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