Am I losing my mind?
Let me give you the background quickly.
I’ve owned my home for five years, and the roof—which is made of hardi-slate from the mid-90s—is known to have manufacturing defects. I was unaware of the roof’s issues, but I’ve been advised not to walk on it.
Recently, a storm damaged the roof, causing about a dozen tiles to go missing. When I filed a claim, it was denied due to the known defective material.
Here’s my point: I’ve lived here for five years, and every insurance company prior to this one has advised me to maintain or repair roofs and decks, or face termination of coverage.
They had five years to assess this roof and inform me that they wouldn’t provide coverage. The agent kept bringing up unseen defects within the walls, but I insisted it’s about the roof—it isn’t hidden away. They could’ve easily had a roof specialist evaluate it, especially since I’ve been warned before about exterior maintenance issues.
At what point does the responsibility lie with the insurance company to conduct their due diligence on the property? This is based in Hawaii, for context.
If they had advised me to fix the roof or risk losing coverage, I would have understood. But to deny my claim after the fact is something I’m really struggling to accept.
I can understand why you’re feeling frustrated and overwhelmed; dealing with insurance issues is never easy, especially when it involves your home. It’s completely reasonable to expect your insurance company to provide clear communication about coverage and potential risks.
You mentioned that you’ve lived there for five years and that other insurers have advised you regarding roof maintenance, which makes it even more difficult to accept your current insurer’s denial. It’s important for insurance companies to conduct proper assessments and communicate any known issues, especially if they’re impacting your coverage.
It might be worth reviewing your policy and possibly seeking advice from an insurance agent or legal expert who specializes in these matters. They can help clarify your rights and options moving forward. Also, consider documenting everything—conversations with your insurer, maintenance records, and any previous communication from past insurers regarding the roof. This could be invaluable if you decide to contest the denial or seek a second opinion.
You’re not crazy for feeling this way; you’re advocating for your home and your financial well-being. Seeking clarification and fighting for your rights as a homeowner is completely justified. Whatever you do, make sure to take a deep breath and approach the next steps with a clear mind. Hang in there!