Navigating Roofing Issues After an Insurance Claim: Seeking Guidance
It’s a common scenario that many homeowners might face: after weathering a storm and filing an insurance claim for roof damage, the last thing you want to encounter is further complications. Today, we share a perplexing story from a Kentucky homeowner whose recent roofing experience has taken an unexpected turn.
The Situation
A little over a year ago, this homeowner successfully filed an insurance claim to replace their roof, which had sustained significant wind damage. They opted for a well-regarded local roofing company that seemed to have a solid reputation. However, shortly after the installation, shingles began to detach from the roof. In response, the original contractor replaced those shingles, but it wasn’t long before new issues arose.
Recently, the homeowner sought a second opinion from a different roofing company, who delivered unsettling news: the shingles initially used were not suitable for a mansard roof and had been applied incorrectly. While the installation on the flat sections of the roof appeared sound, the steep side walls posed a significant risk. The new contractor estimated that to prevent further shingle loss, the steep sides of the roof would need a complete re-shingling, with a rough cost of approximately $20,000 for the project.
Seeking Solutions
Now, the homeowner is at a crossroads and seeks advice on how best to proceed. Key concerns include:
- Accountability: They are understandably frustrated with the original roofing company’s choice of materials and methods. Should they hold the contractor responsible for this oversight?
- Insurance: Is it advisable to reach out to their insurance provider for assistance with the new roofing issues, or could that complicate matters further?
- Legal and Professional Guidance: Would consulting a lawyer or getting a third opinion from another roofing professional be beneficial in this situation?
What Are the Next Steps?
For homeowners finding themselves in a similar predicament, here are a few recommended actions:
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Document Everything: Keep detailed records of all communications with both roofing companies, photos of the damage, and any related estimates.
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Consult a Legal Professional: If you believe there is a strong case for accountability, discussing your situation with a lawyer who specializes in construction or real estate may provide valuable insights.
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Insurance Company Review: Reach out to your insurance carrier to discuss the issue. They may have guidelines on how to approach the situation, and they might assist in covering costs if negligence is
