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Roof damage NOT covered

Posted by Carmer 
Roof damage NOT covered
March 23, 2022 06:40PM
Discovered moisture in a dual pain window in a second bedroom (only a guest room). further investigation indicated that the wood casing around the window in the left corner was swollen from moisture. Further investigation indicated moisture under a facia board directly above the window at the roof line. Called a contractor to have a look see and he took the facia board off. The moisture under the roof shingles had shown a significant amount of moisture on the wood. We did not intend to file an insurance claim as it appeared to be a minor repair. As we continued, and contact with a Roofing Contractor indicated the moisture was from a roof leak, we called the Insurance Company, FOREMOST. DENY, DENY, DENY is what we heard and were told that it was NOT covered under our policy.
The Adjuster, who lives far far away from the Coast told us that it would have to be hail or a heavy wind storm that would have caused it. We indicated that we have had some significant hail and wind storms throughout our winter months, and obviously that is the cause. BUT, the adjuster said...are there any missing shingles? Around and Around we went with the negative DENY comments.
Because NO ONE walks their roof every time it rains, it would be impossible to see any damage until it appeared somewhere visible. The adjuster indicated that they would cover a broken pipe and the resulting damage!!! How would you know there was a BROKEN PIPE until the water actually appeared visible ??? The conversation was obvious that Foremost were experts at denying a water damage claim.
We will call for an appraisal . In the meantime, we are repairing the damage and only our photos will be what we can use as proof.

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