Is this Roof Damage Covered?
Some background:
Last summer my Mom's house (in another city) was damaged in a wide spread hail storm area. She noticed dent damage
On an aluminum awning and I asked her to call the insurance people to come out and look. They sent out an adjuster
Who inspected and told her the asphalt shingled parts of her roof needed to be replaced due to hail damage as well as
Two awnings. He wrote her a check on the spot. The scope of work to be done did NOT include replacing a flat
Portion (rubber membrane) covering her porch roof.
We got three estimates. Contractor A told us the flat roof was in good shape, no problems to be concerned about.
Contractor B said the rubber membrane was in good shape but that their work would include "re-sealing the (over)laps"
In the rubber. Contractor C told us that since the rubber roof was more than 10 years old, he recommended replacing
The rubber and quoted a cost of $1260 to do so.
We selected Contractor B, who had done work for my sister, the bidder who said the flat roof was OK but would re-seal
The (seams) laps.
Due to scheduling, the repair could not be completed until this spring, but we wrote on the proposal to have the
Contractor inspect the roof and assure my Mom that it wouldn't be a problem for the work to wait until after the
Winter. They put some band-aid fixes on a couple areas, according to their verbal report to my Mom before the
Winter.
What happened:
In April, Contractor B removed and replaced the asphalt shingled area of the roof. After completing this and being
Paid, he told my Mom that the flat porch roof "needed to be rebuilt" and that he would provide a proposal to do so.
I spoke with him by phone and reminded him that they had told us that the flat rubber roof was good-to-go but that
They would be resealing the laps. He told me that he thought that "the weight of the snow on the flat roof during
the winter caused damage". After a week, he sent my Mom a new proposal (which I haven't yet seen) to do the flat
Porch roof work for an additional $2900.
My mother is stunned and so am I.
The question is: Will the insurance company cover this new expense for the flat roof?
