Homeowners who are stunned by the outrageous use of photos of houses of insurance companies: “It is unfair”

Some insurance companies in Connecticut have hired the renewal of customers' guidelines on the basis of aerial photographs of their roofs that have forced homeowners to pay for expensive or search for new guidelines.

What happens?

According to CT insiders, homeowners receive not renewed information from their insurers, although their roofs are “relatively new” and still offer sufficient protection against water damage. The insurers have their decisions based on roof discoloration based on air photos, of which homeowners argue that they are not a precise method to determine the control of the guidelines.

Due to the high number of homeowners who were affected by non -renewed messages, the Connecticut Insurance Department, which regulates the industry, published a communication last year on the use of drone photos for analyzing the roof conditions.

Unfortunately, despite the warning, some homeowners will still fall out of the reporting due to alleged problems with their roofs.

“It is unjust for a homeowner, a contractor or a manufacturer who has a guarantee of the product,” said Eddie Griffin, President of family-owned Brown-Dach in Seymour, to CT Insider. “We see that and because of ours it becomes a problem for us [reputation] As a contractor. … it reduces what we go out and sell every day. “

Why do house insurance in Connecticut relate?

If people are discontinued from their house insurance policies due to supposed roof problems, they have to look for a new insurance company that is probably more expensive or can replace their roofs, which according to Bill Tegeler, President of the brokerage company Tegeler Insurance Services from CT, can cost up to 20,000 US dollars.

Aerial photos can help to identify problems with roofs such as ponds – in which water remains on part of the roof for a long time after a regenery event – cracked or missing shingles and the use of tarpaulins over longer periods that indicate that homeowners delay permanent repairs.

But when it comes to “cosmetic roof conditions such as natural discoloration and stripes”, the insurance department of Connecticut announced that according to CT insiders, these small problems do not justify cancellation guidelines.

“Insurers must have indications of material deterioration … or damage to a roof that increases or changed the tendency to loss to support non -renewed measures,” she added.

Due to increasing global temperatures, which frequent and heavier extreme weather such as wind events and strong rainfall, roofs are everywhere. In Connecticut, for example, heavy hailstorms have weakened the shingles in the past ten years, which may lead to water damage in attics or rafters that may support the roofs.

For this reason, Griffin CT insiders recommended that homeowners be increased at least every five years for the peace of the peace and peace and the likelihood that their guidelines will be renewed.

How can homeowners protect their properties from storm?

As Griffin explained, insurers can be inspected regularly and take care of the necessary repairs to renew their guidelines. As a rule, it is also much cheaper to tackle problems if you occur instead of waiting for several years, since water damage or structural problems lead to more expensive repairs the longer you wait.

If you believe that your insurer has made an inaccurate assessment of your roof based on air photos, make sure that you submit a complaint to your state insurance agency. It is examined to ensure that the company follows state laws and can even help them find new reporting if the non -injury is confirmed.

If it is in your budget, a catastrophic house that includes a steel roof and other air -conditioning functions could be a solid investment, especially if you live in a high -risk area in which insurance is difficult to keep.

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