| I write bonds for home inspectors but only in one state and in the state I am located in and write such bonds, the inspector must not only provide a surety bond, he must also purchase liability insurance. It's his job/duty/obligation by law to disclose to you, the purchaser, of the results of his inspection. If the inspector was negligent and failed to notice what other inspectors would normally have noticed or overlooked a defect, especially one that causes you a loss, then perhaps either his surety bond (if your state requires a bond) or his liability insurance will entertain and perhaps pay a claim from you. As to seeking coverage from your HO insurance, HO policies are not warranties and also do not cover routine maintenance. However, if your roof was damaged by a covered peril (perils are those events such as a storm, fire, that cause damage) then you insurance should pay (minus your deductible) the cost to not only repair the damage to your roof but the ensuing damage to your ceiling due to the damage to the roof. I do not think you need an attorney at this point. Why not exhaust the possibilities I mentioned first. | 
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