It all started with a puddle on the floor. Since then, I’ve been blogging about the entire process from filing a claim with our homeowners insurance company to whatever happens next. We recently got a fourth letter from the insurer. Here is what the majority of that letter had to say.
In case you haven’t been following along with all of the blogs in the series, allow me to give you a quick recap. It started with a puddle on the floor. My husband and I made a claim with our homeowners insurance company about the damage to the wall. A repair company came to review the damage. A claims investigator came out, made his assessment, and wrote us a check to pay for the repairs (minus our deductible). We got three letters from the insurer, about the claims process.
Today, we got a fourth letter from our homeowners insurance company. In a previous blog, I went over what the first page of that letter said. The next two pages were a bit confusing, because they had to do with the roof. The roof is fine. The claims investigator went up on the roof, walked around, took photos, and said the roof is fine. We haven’t asked the insurer to cover the cost of fixing our roof, because it doesn’t need fixing.
Yet, here are two pages regarding our roof. I cannot imagine why. Part of it says:
“Our investigation and evaluation of your loss has determined that a portion of your damage is not covered by your policy. As we discussed, the cost associated with repairing the failure of your roof is not covered under your policy. However, the resulting water damage is covered. The predominant cause of the roof failure is wear, tear and deterioration”.
The last page of the letter gives some clues about why the insurer is talking about the roof that we never made a claim about. They are required by a certain section of the California Insurance Regulations to inform us about this sort of thing.
That is good to know, because at first glance, this letter made me think they were choosing not to cover our claim after all, (after we got a check to pay for repairs). I was worried about if this letter meant that the insurer now wanted the money back, before we even were able to schedule a repair company to come fix it. It is nice to know that things are just fine, and this is just “paperwork”.
Image by Lisa Brank on Flickr