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Question DetailsAsked on 10/2/2015

The home insurance cancelled my roof coverage? Get a New Roof?

I switched insurers and my new home insurance policy decided NOT to cover my roof due to lifting & buckling. To me it looks minor but then, I'm not a roofer. It's an 11 year old house and the policy I had with the previous company was from only 2 years ago. Should I go ahead and look into repairing or replacing my roof, or should I go back to my previous insurer?

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after leaving the first one, I doubt they will take you back without a house inspection, which might result in the same denial of roof coverage. If still within the 30 day grace period, maybe you can reinstate by paying the original premium due, if you "dropped it" by non-payment rather than calling to cancel.


So - you could give it as try - the other possibility is if you try to go back they will refuse, so you end up with no insurance at all - so I would be sure to keep one policy in hand and active until the other fully takes effect (including the underwriting period) so you don't end up going "bare".


Or you may be stuck with no policy if you do not redo the roof (or at least the bad aprts if localized).


One other alternative is to go get an independent insurance appraiser to look at the roof and give a report that says its condition is within norm for its age and does not need replacement. Of course, oif that comes back negative you are stuck with a new roof.

Answered 3 years ago by LCD




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