Quote:
Originally posted by Fugee
Oh, and my sister told me their homeowners insurance company sent out a guy to do a outside "field inspection" on their house. Despite the fact that all the houses here, including hers, have at least 10 inches of snow on the entire roof, they decide that she needs to have a new roof installed before June 29 or their will drop their coverage. Can they do that?
ETA: I just looked at the Minnesota Dept. of Commerce web site and apparently they in fact can cancel or not renew homeowners' insurance if the condition of your home increases the risks of damage and you don't make the demanded repairs. I'd still like to know how they decided the roof was bad under a foot of snow coverage.
|
Many insurance companies are fleeing from the homeowners' insurance field, mainly due to mold claims. They will often use any excuse to get out of a contract.
I would write a letter requesting information about what, exactly, was the observed problem with the roof. It may be helpful to take some pictures of the roof right now as well. Your relatives will get one of three responses: an explanation that makes since ("The middle of the roof was bowing under a mere ten inches of snow."), an explanation that doesn't make sense ("Exposed shingle nails"), or nothing (or nothing substantive). In the first case, fix the roof. In the last two cases, escalate. Either way, don't let the bastards win. Damn insurance companies.
ET spell "shingle" correctly. 
