Really weird question.
We moved into our house in April 22. We had the house inspected and at that time our inspector said that the roof appeared to have lost some granulation but that it was consistent with age of the roof and that the roof was functioning as intended.
Since we moved in neighbor mentioned a hail storm and all the houses around us had hail damage and had the roofs replaced.
We've had a few heavy rains recently, and I have noticed a great deal of grit at the bottom of the downspouts. I also just got a new insurance quote and they want to inspect the roof because online photos on har.com show "the roof may be losing some granulation".
Our last house did have hail damage to the roof and we had to have it replaced. I had to have two inspections, because the first inspector claimed that there was no hail damage. It was explained to me that it might not be obvious right now that the roof was hail damaged, but that the hail damage did actually reduce the life of the roof significantly and that it would be obvious some day when it rained and I lost a whole lot of granulation. I'm experiencing that now in this house. We don't have any roof leaks, but it seems pretty evident that this house may have had roof damage that our inspector either didn't catch or that was not evident at the time of the inspection.
Once the previous owners have sold the house is it too late to make a claim on their homeowners policy for damage that occurred while that policy was in effect? I wouldn't be asking them to take on any financial burden, but to simply make the claim on their policy. I would expect if the policy paid out, we would pay the entire deductible.
I have no idea whether we could get them agree to make a claim but my question is whether they can even make a claim on a policy that is now expired for damage that occurred while the policy was in effect and while they owned the house.
We moved into our house in April 22. We had the house inspected and at that time our inspector said that the roof appeared to have lost some granulation but that it was consistent with age of the roof and that the roof was functioning as intended.
Since we moved in neighbor mentioned a hail storm and all the houses around us had hail damage and had the roofs replaced.
We've had a few heavy rains recently, and I have noticed a great deal of grit at the bottom of the downspouts. I also just got a new insurance quote and they want to inspect the roof because online photos on har.com show "the roof may be losing some granulation".
Our last house did have hail damage to the roof and we had to have it replaced. I had to have two inspections, because the first inspector claimed that there was no hail damage. It was explained to me that it might not be obvious right now that the roof was hail damaged, but that the hail damage did actually reduce the life of the roof significantly and that it would be obvious some day when it rained and I lost a whole lot of granulation. I'm experiencing that now in this house. We don't have any roof leaks, but it seems pretty evident that this house may have had roof damage that our inspector either didn't catch or that was not evident at the time of the inspection.
Once the previous owners have sold the house is it too late to make a claim on their homeowners policy for damage that occurred while that policy was in effect? I wouldn't be asking them to take on any financial burden, but to simply make the claim on their policy. I would expect if the policy paid out, we would pay the entire deductible.
I have no idea whether we could get them agree to make a claim but my question is whether they can even make a claim on a policy that is now expired for damage that occurred while the policy was in effect and while they owned the house.