Insurance company denies homeowner’s claim after roof caves in; says it’s a maintenance issue

CHICAGO (CBS) — The overall upstairs of a Northwest Indiana house is off-limitations mainly because of a rotten roof. The household says they’re in limbo, waiting on insurance policy to assist.

Morning Insider Lauren Victory describes why they could possibly not get the response they are wanting for.

“Individuals are all buckets whole of water, how black they are,” explained Martha Feliciano providing a tour of what was her bed room to roofing specialist Joshua Grah. “I signify, the mildew right there is absurd.”

 The upstairs of her Portage dwelling was musty.

“It really is awful, the scent is awful,” Feliciano explained. She’s already moved her mattress and son’s crib out of the bedroom.

“We’ve been virtually sleeping on the ground,” the mother of 6 stated.

She found leaking in March 2021 and submitted a claim with State Farm. Just after going back and forth with insurance coverage for far more than 6 months, she bought a letter with all kinds of lawful language that, just set, knowledgeable her that Point out Farm denied her declare, indicating the difficulties within the property are from rot and deterioration.

“I just gave up. I didn’t want to struggle with them,” reported Feliciano.

Then she arrived residence to a ceiling caved in very last thirty day period.

“I walked in and I just noticed every little thing splattered all in excess of the ground and I’m like and I shut the door instantly,” she mentioned.

The damage was even even worse than ahead of with debris all above the flooring and insulation hanging from the ceiling. Feliciano might be caught spending for it out-of-pocket.

State Farm could not communicate specifics in her circumstance, but referred CBS 2 to Janet Ruiz from the Insurance policies Facts Institute for general data about claims.  

Ruiz points out that roof alternative is normally only included by insurers for an accidental reduction like a wind storm or hearth, not for rot and deterioration. Insurance policy is not a servicing coverage, she mentioned.

“[If] it can be just a make a difference of age and use and tear that have happened more than a prolonged period of time that would not be a included loss,” explained Ruiz.

So, divine intervention could possibly be necessary for Grah’s invoice and additional.

“It is expensive,” he reported, not seeking to give us a specific number. Grah is effective for Restoration Builders of NWI.

Feliciano is praying for aid and for sunny days ahead simply because the tarps on her roof ideal now can only block out so significantly rain.

She not long ago submitted a 2nd declare with Point out Farm and is patiently ready to see if insurance coverage will go over her this time close to.

Christopher Lewis

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