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Question DetailsAsked on 2/4/2015

My deceased father's home has full coverage insurance with a $2,600 deductible. Why shouldn't we use it ?

Just prior to my father's Alzheimer's diagnosis in 2010, he was urged to file a storm damage claim for his roof. We (I have 3 older brothers) believe Dad worked through his insurance company, but can not find records of such. I arrived at his home and found a mess of new and old shingles on the ground and on the roof. No workers. Shirts, jackets, pieces of clothing on the ground, trees & roof. Dad was in the front yard looking frazzled at best. I could only ascertain that "someone" came to put on a new roof and "they took my check" Dad died before this was resolved. The roof has shingles placed in most voids, but was never done correctly. That was nearly 3 years ago - the home is now empty except for one bedroom. Several bad storms, even small tornadoes, have hit in the area recently. The house is (and has been) leaking badly and needs a new roof without question. My brothers do not want to call the ins. comp. to file a claim. " afraid of opening a can of worms" huh???

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Voted Best Answer

Lots of different possible viewpoints on this, but I tend towards your thinking - why leave possible coverage on the table needlessly.

With the roof evidently in the midst of repair, I doubt they would consider paying on a new claim for damage to an unfinished reroof, but you will not know till you talk to the insurance company. Might also be opportunity for a claim against the contractor's bonding or insurance company for completion/damages, especially if they were paid (at least partially).

Of course, if the insurance was not changed to the Estate being insured in a timely fashion, and of course if payments are not up to date by more than the usual 30 day grace period, that really weakens your case.

I would find out in check register (if he maintained it) who he wrote the check to. If not available, get copy of paid checks for appropriate timeframe from the bank - probably available online. That would tell you who he paid and when - for this and other things like medical.

Then you can decide about talking to insurance company about making a claim - of course, look for any files first with records of the repair and any claim.

If this has been sitting for 3 years partly done or on getting repaired from a prior claim, your case certainly sounds weak - but I can't see how talking to the insurance company can hurt. I would start by asking for a copy of claim info on the repair to see what their records show, and if they show approved estimate from or payments to a contractor - then you can decide where to go from there.

That search would also presumably tell you if the roof repair currently undone was related to that claim, someone else he hired (who might or might not be currently repairing it and may be under contract), or possibly a scammer. If a current contractor, the executor/personal representative would have to decide if to continue the work (ratify the contract) or cancel it (which if work is done wrong might be the answer).

Answered 5 years ago by LCD

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