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Old 06-10-2012, 07:31 PM   #11
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Been extracting water out of a business all day long. Has not been fun. Business has no flood insurance. Out of pocket expense. I would say check your policies.

Accutech Carpet And Tile Cleaning

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Old 06-10-2012, 10:57 PM   #12
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Is it considered a flood if the roof leaks? I could understand if the water came in from the street or from the gulf, but from your roof seems like it shouldn't be considered flood damage. I am in the same situation deeplines is in. I have been through my policy a couple of times now and I cannot find it in black and white. I guess I will have to wait for tomorrow.
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Old 06-11-2012, 08:01 AM   #13
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There needs to be a breach to trigger coverage.
Maintenance issues and wind driven rain are excluded. Unless you have a wind driven rain rider.
Hail creates a breach by fracturing the fiberglas matt.
Creased shingles torn shingles missing shingles are covered. As well as Adhesion transfer. We have won on debrie under shingles in the mastic. That ones a fight for sure!
Cracked from dry rot or squirrel eaten boots or jacks or skylights are exclude.
Note I have seen a lot of adjusters pay for things that were excluded. And roofs that had no damage that was covered
Note there is something called a brittle test to determin if the roof is repairable. If you try to bend the shingle 45 degrees from the roof ( as needed to replace a single shingle) and it creases the roof is non repairable. Ask your adjuster to proform a brittle test after he agrees to a repair.
Post some pictures of your roof and some around where you think it is leaking.
The answer is no a flood is rising water.
What you have is a wind claim.
Let your carrier tell you a date of loss. You tell them we have had a lot of storms lately.
Good luck and be safe.

Last edited by Jet fishin; 06-11-2012 at 08:10 AM.
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