Insurance Co said no hail damage.

Started by RonaldC3 • 26 replies • 1332 views

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RonaldC3 (Pennsylvania)
Posts: 14

Posted:

We had a small and brief hail storm on February 25 2017. The HOA had a roofer inspect the 78 units, all townhouses. There is damage according to the roofer. My insurance company inspected my roof and said no damage denying my claim.

I asked the insurance company to do another inspection in tandem with the roofer. The insurance company again denied my claim. The roofer of course did not concur. My unit is one of five in one building block. The other four units had their claim approved and received insurance checks.

The HOA is planning on replacing all five of the roofs. They say they will assess me the cost of my replacement. What recourse do I have? Also only small portions of each roof were identified as having damage. These are 30 year shingles and the units are 13 years old. I am in Pa.

RichardP13 (California)
Posts: 3,868

Posted:

If the roofs are being replaced from the proceeds of the other 4 units that received a settlement and you were told you have no damage, then you shouldn't be assess for anything.

DouglasM6 (Arizona)
Posts: 724

Posted:

Why are they replacing a roof that has no damage? If I'm reading this right.

DouglasM6 (Arizona)
Posts: 724

Posted:

30 year old shingles on 13 year old units?

RichardP13 (California)
Posts: 3,868

Posted:

Quote:

Posted By DouglasM6 on 07/21/2017 5:18 PM
Why are they replacing a roof that has no damage? If I'm reading this right.

The other four units had their claim approved and received insurance checks.

BancsS
Posts: 269

Posted:

Quote:

Posted By DouglasM6 on 07/21/2017 5:19 PM
30 year old shingles on 13 year old units?

They are 30 year shingles. This means they should last 30 years.

JeffT2 (Iowa)
Posts: 880

Posted:

Are your townhouses organized as a condominium?

JeffT2 (Iowa)
Posts: 880

Posted:

Most 30-year shingles have a prorated warranty on the shingles, but not on the labor, and not on the underlayment. This means your HOA can get a reduced price if they buy the same brand of shingles. It's not what you asked, but it can save you something.

DouglasK1 (Florida)
Posts: 2,046

Posted:

Quote:

Posted By RonaldC3 on 07/21/2017 4:29 PM

I asked the insurance company to do another inspection in tandem with the roofer. The insurance company again denied my claim. The roofer of course did not concur. My unit is one of five in one building block. The other four units had their claim approved and received insurance checks.

Hiring a public appraiser to inspect the roof and take the case to the insurance company might help. Barring that, this page has some ideas on what to do next:
http://www.foxbusiness.com/features/2015/03/11/what-to-do-if-your-homeowners-insurance-claim-is-denied.html

Quote:

Posted By JeffT2 on 07/21/2017 5:55 PM
Most 30-year shingles have a prorated warranty on the shingles, but not on the labor, and not on the underlayment. This means your HOA can get a reduced price if they buy the same brand of shingles. It's not what you asked, but it can save you something.

Most shingle warranties do not cover hail damage, you can be sure if the company sends their inspector, they will claim hail damage.

Escaped former treasurer and director of a self managed association.

RonaldC3 (Pennsylvania)
Posts: 14

Posted:

No we are not.

MelissaP1 (Alabama)
Posts: 13,836

Posted:

Are we sure these people who had their roofs replaced was done by the insurance inspectors? There are a lot of "roofing" companies that will come out and "inspect your roof". They will say they can get your insurance to pay. Often these can be a con job of sorts. I don't trust a roofing company who knocks on my door telling me I need a new roof.

So I do have a bit of a question of the real process of how some had roofs replaced. Plus most likely they had to make a claim on their insurance. Which then raises rates or cancels insurance. If the HOA as a group is responsible for roof replacement, then how are individuals having it done?

Something seems a bit fishy here on the situation. It just may be communication on responsibility and what really occurred with the existing roof replacements.

Former HOA President

RonaldC3 (Pennsylvania)
Posts: 14

Posted:

The HOA has not fixed any roof yet. HOA had a roofer check all the units for damage 42 units had some damage according to this guy hired by BOD. BOD encouraged the owners to have their insurance company look at them.About 20 units have received checks. My roof was inspected by the insurance company twice, one time with the roofer along. Insurance said no damage.

The roofer said there was. BOD has asked people to hold their insurance check until they decide what they will do. It may include a special assessment for those who did not receive a check. Why should I pay if I had no damage?

TimB4 (Tennessee)
Posts: 21,059

Posted:

Excuse me but if the HOA is responsible for roof replacement, their insurance should be the ones contacted - not the homeowners insurance.

RonaldC3 (Pennsylvania)
Posts: 14

Posted:

HOA has no insurance.They are responsible for normal roof wear and tear, not hail damage according to the BOD. The hail part is not in writing. BOD wants all units to have damage to collect payments from the insurance companies. The roofs can be replaced with little cost to the HOA. From the mouth of the president.

TimB4 (Tennessee)
Posts: 21,059

Posted:

If the HOA does not have insurance, the membership better kick the Board out, pony up assessments and purchase some.

JeffT2 (Iowa)
Posts: 880

Posted:

You are going to have to dive deep into reading and understanding your documents.

What are the boundaries of your property and is the roof included in your property?

What are the maintenance responsibilities of you as owner for your property and the roof? What are the maintenance responsibilities of the HOA?

Is maintenance of the roofs designated a common expense? Or an owner expense?

If the roofs are a common expense, then the HOA should be paying for them and should not be assessing you as an owner.

There should be section on insurance, both for you as an owner and what the HOA is required to obtain.

TimB4 (Tennessee)
Posts: 21,059

Posted:

Quote:

Posted By JeffT2 on 07/22/2017 2:19 PM

If the roofs are a common expense, then the HOA should be paying for them and should not be assessing you as an owner.

Unless the reserves are not enough to pay for the new roof.
Then everyone should be assessed an equal amount (special assessment)

RonaldC3 (Pennsylvania)
Posts: 14

Posted:

They are a controlled expense.

JohnC46 (South Carolina)
Posts: 14,265

Posted:

Ronald

We need more information on your situation.

As an example, in my association we are all single homes. While our association is responsible for roof replacement (normal wear and tear), each home has to carry insurance and in the case of hail damage, it would be up to each home owner to file with their own insurance company, thus not an association issue.

We do not have enough in our reserves to cover roof replacement so I say the best thing that could happen is we have a major hail storm that damages all roofs so the owner can get re-roofed at the insurance companies expense. Our BOD prays for such....LOL

GenoS (Florida)
Posts: 4,276

Posted:

JohnC46, what would happen if an owner's insurance denied a claim because it found that the regular roof maintenance - done by the HOA - wasn't done properly? What about a home that develops a roof leak that the owner doesn't notice for a long time that then causes further damage to structures below the roof? If an owner isntalls a satellite dish on his roof and does a sloppy job that results in a leak that causes damage, does the association assume the cost of those repairs? Don't mean to de-rail the conversation, but we grapple with questions such as these because our situation is similar: fee simple ownership, homeowners carry insurance, HOA is responsible for the roofs.

JohnC46 (South Carolina)
Posts: 14,265

Posted:

Quote:

Posted By GenoS on 07/23/2017 2:29 AM
JohnC46, what would happen if an owner's insurance denied a claim because it found that the regular roof maintenance - done by the HOA - wasn't done properly?

Good question. I assume the answer is that when needed, hire a certified/qualified roofer so the insurance company does not have a leg to stand on. Maybe even one that your HOA insurance company would recommend. Feed them their young.......LOL

For clarification, we are standalone, individual homes.

What about a home that develops a roof leak that the owner doesn't notice for a long time that then causes further damage to structures below the roof?

I would assume the owner files with their insurance company then their insurance company tries to subrogate with the HOA insurance company. It is what I would do.

If an owner installs a satellite dish on his roof and does a sloppy job that results in a leak that causes damage, does the association assume the cost of those repairs?

Any damage caused by abuse, negligence, storm, etc. is the responsibility of the owner.

Our HOA also does all landscaping and exterior home shell maintenance but we repair/replace for only normal wear and tear. We are having a go around with a few owners who refused to water their grass and it died. They wanted the HOA to replace it. They have been told it died due to their negligence so they must resod.

Our reserve study estimated a 25 year life for roofing. Our oldest roofs are 9 years old. Our newest, two years old. At our present Reserve Investments, we will not have enough to completely do all when required. but another story.

Don't mean to de-rail the conversation, but we grapple with questions such as these because our situation is similar: fee simple ownership, homeowners carry insurance, HOA is responsible for the roofs.

LetA (Nevada)
Posts: 2,679

Posted:

Quote:

Posted By RonaldC3 on 07/21/2017 4:29 PM
We had a small and brief hail storm on February 25 2017. The HOA had a roofer inspect the 78 units, all townhouses. There is damage according to the roofer. My insurance company inspected my roof and said no damage denying my claim.

I asked the insurance company to do another inspection in tandem with the roofer. The insurance company again denied my claim. The roofer of course did not concur. My unit is one of five in one building block. The other four units had their claim approved and received insurance checks.

The HOA is planning on replacing all five of the roofs. They say they will assess me the cost of my replacement. What recourse do I have? Also only small portions of each roof were identified as having damage. These are 30 year shingles and the units are 13 years old. I am in Pa.

Question!!!!!!!!! Did you go by what the Insurance company said, or DID YOU hire a Certified Public Adjuster??

JohnH58 (Florida)
Posts: 2

Posted:

Most homeowner insurance policies will provide coverage for roof damage caused by unpreventable reasons such as vandalism or fire. Disastrous "acts of God" such as hurricanes, storms and tornadoes are also usually covered. Although wind, rain, and hail are covered by your home insurance policy, there are many factors that determine if your damage will be covered, and if so, how much you will be reimbursed. The same basics that apply to your roof, may apply to your exterior property as well. Although wind, rain, and hail are covered by your home insurance policy, there are many factors that determine if your damage will be covered, and if so, how much you will be reimbursed. But if Still having questions about homeowners insurance contact your insurance agent or visit some reference websites like http://directinsurancenetwork.com/personal-insurance/home-insurance, to know more about solution to your situation.

John W. Hill

JanetB2 (Colorado)
Posts: 4,219

Posted:

Quote:

Posted By TimB4 on 07/22/2017 1:29 PM
If the HOA does not have insurance, the membership better kick the Board out, pony up assessments and purchase some.

AMEN!!! When saw OP state the HOA had no insurance ... blew me away especially when townhomes.

JanetB2 (Colorado)
Posts: 4,219

Posted:

Quote:

What does your CCR's state with regards to who is responsible for roofs? Is it the HOA or homeowners?

GenoS (Florida)
Posts: 4,276

Posted:

Quote:

Posted By JohnH58 on 08/10/2017 4:50 AM
Most homeowner insurance policies will provide coverage for roof damage caused by ... know more about solution to your situation.

I'm pretty sure this is spam. There's one whole sentence repeated inside the message, there's a link to a website that the poster probably collects a paycheck from, and he signs the post using his real name in violation of the site's posting rules.

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