My roof is approximately 7 years old.
This past April, I switched my homeowner's insurance to Progressive. In order for the policy to get approved, I was required to have a 3rd party home inspector perform a home inspection and provide a report, which I did. We purchased the policy with full replacement on the roof.
Since then, we have had quite a few typical storms, with a pretty bad almost tornado type storm around Memorial Day (we live in Denton).
Fast forward to very recent: my next door neighbor had his roof replaced. When asked, he confirmed that he had filed an insurance claim.
So I called a GC/Roofing contractor that I know and asked him to come look at my roof. He confirmed that the roof had sustained quite a bit of damage. However, for the most part, the damage looked like hail damage. There is probably some wind damage as well.
To my knowledge, it has not hailed significantly in the last few years in my neighborhood. I am wondering if the damage was pre-existing.
My question: Am I at risk of having a claim be denied if I file for it? I had no knowledge of prior damage, as I didn't even get on the roof or would I know what I was looking for if I had.
If a claim was denied, would I then be on the hook for footing the cost of replacement, regardless of future storms, etc?
This past April, I switched my homeowner's insurance to Progressive. In order for the policy to get approved, I was required to have a 3rd party home inspector perform a home inspection and provide a report, which I did. We purchased the policy with full replacement on the roof.
Since then, we have had quite a few typical storms, with a pretty bad almost tornado type storm around Memorial Day (we live in Denton).
Fast forward to very recent: my next door neighbor had his roof replaced. When asked, he confirmed that he had filed an insurance claim.
So I called a GC/Roofing contractor that I know and asked him to come look at my roof. He confirmed that the roof had sustained quite a bit of damage. However, for the most part, the damage looked like hail damage. There is probably some wind damage as well.
To my knowledge, it has not hailed significantly in the last few years in my neighborhood. I am wondering if the damage was pre-existing.
My question: Am I at risk of having a claim be denied if I file for it? I had no knowledge of prior damage, as I didn't even get on the roof or would I know what I was looking for if I had.
If a claim was denied, would I then be on the hook for footing the cost of replacement, regardless of future storms, etc?
