Insurance company says it's not responsible for rot and deterioration.
The entire upstairs of a Northwest Indiana home is off-limits because of a rotten roof. The family says they're in limbo, waiting on insurance to help."Those are all buckets full of water, how black they are," said Martha Feliciano giving a tour of what was her bedroom to roofing expert Joshua Grah."I mean, the mold right there is ridiculous.""It's horrible, the smell is horrible," Feliciano said.
"I walked in and I just seen everything splattered all over the floor and I'm like and I closed the door immediately," she said. The damage was even worse than before with debris all over the floor and insulation hanging from the ceiling. Feliciano may be stuck paying for it out-of-pocket.Insurance Information InstituteRuiz explains that roof replacement is usually only covered by insurers for an accidental loss like a wind storm or fire, not for rot and deterioration. Insurance is not a maintenance policy, she said.
"[If] it's just a matter of age and wear and tear that have occurred over a long period of time that wouldn't be a covered loss," said Ruiz."It's expensive," he said, not wanting to give us a specific number. Grah works forFeliciano is praying for help and for sunny days ahead because the tarps on her roof right now can only block out so much rain.
She recently filed a second claim with State Farm and is patiently waiting to see if insurance will cover her this time around.
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