Water Damage Ins Adjuster / Claim

Get out your policy and read specifically what perils are covered and what losses are excluded. Depending on your state and the wording of your policy, it's entirely possible one or both problems will be partly or completely excluded. An unfortunate side-effect of "black mold" hysteria has been much narrower coverage for many kinds of water damage, so that many things that would certainly have been covered by insurance ten years ago are now specifically excluded.

The damage is already done, and that's what the adjuster will be there to see. You might make a list of everything you've seen, and also what you can't see, just so you don't forget anything. My one experience with a claim like that proved the adjuster to be very adept. The payoff was very, very close to the actual cost of repairs ... within just a dollar or so on almost

I doubt that his remark about multiple claims means much to you other than an extra signature somewhere. He's probably thinking the cause of the roof damage is separate and distinct from the bee damage, and that shouldn't imply that either claim is invalid, but only that they'll account for them differently. These people settle claims all day, every day, and I doubt that you'll have any problem as long as you don't try to kid them about the cost of things. Don't hesitate to point out ALL the damage that you see, but otherwise don't talk too much.

Good luck with it.

Keith

Home insurance generally only covers sudden damage, which this isn't. The theory is you had time to notice the insect problem and do something about it.

Sounds like problems with builder/installers/materials.

No way a blocked downspout should send water through roof deck, installed any way I can conceive of. Most especially as you describe.

Look at weakened roof decking from below. Is it wet, or deteriorated from having been wet? Pursue the source and responsible party.

If the materials are simply defective, check for class-action suits on record.

Roof leaks are often very difficult to trace to the source, but it can be done. Else, they will be back.

HTH, J

What you might need to have an insurable claim is a missing, torn, disrupted shingle. Inside water damage usually has to be associated with a roofing defect. Check your policy to find out exactly what it takes to cover your damage--the adjuster is not gong to do anything that favors you. If you look hard enough you should find a damaged shingle that is the cause of your problem(s). MLD

Well after going up on the roof I think I found the section that was the probelm as I almost fell through the roof. The tiles are all intact etc.. but I almost fell through a soft spot that was not there before. I have the Adjuster coming over tomorrow, will update after.. Thanks! Darrell