On Property Insurance Claim Tips Blog

Policyholder Question on Ceiling Collapse Insurance Claim

Q. We own a home that was built in 1964. Last Saturday our family room ceiling collapsed. There does not appear to be any moisture. The insurance company is telling us it’s normal wear and tear, the insulation was too heavy and thus the damage is not covered. There are no cracks in the ceiling, no sagging and our home is well maintained. Any thoughts on the cause? Our roof was replaced in May of 2010.Read More

Policyholder Question on Adjuster Causing Damage to Roof

Q. An insurance adjuster came and inspected our house for roof damage following a hail storm. He indicated that only part of the roof needed repair. In the process of getting off the roof, he slipped and caused some damage to the roof and to the gutters which he added to the coverage. I have heard but can't find documentation that in Alabama, if the adjuster creates damage the insurance company is liable for the full roof and not just the damaged portion. I would like to confirm this as fact or fiction?

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