Geico home insurance problem?

  • by surfnskate7711
  • Nov 10,2017
  • 5 answers

Geico emailed me on November 6th, telling me that their inspector took pictures of my roof and noted discoloration. They are telling my I need to repair the entire roof otherwise the insurance will be cancelled on November 15th. The contract says they must give me 10 days notice of cancellation. Also, my inspector noted nothing about the roof. How can I resolve this issue without replacing my whole roof?


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Insurance Answers (5)

Casey Y last week

You would need to have a roofer inspect, not your routine home purchase inspector. Ask around and get a good one, since there will clearly be an incentive for the roofer to say that you need a new roof. A good roofer, with a decent reputation, will evaluate the roof and provide an estimate for repairs...so you may not need a completely new roof.
You have until that date to respond, after which they will issue a notice of cancellation. How that applies varies by state. You do need to address the issue prior.
Here is the big comment I will make...what is your agent doing to help you? As an agent, this is the sort of thing on which I provide guidance...if you bought your insurance through a website, you don't have an insurance professional who can go to bat for you...

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Dan B last week

Have your own roofing inspector submit his evaluation. Discoloration isn't necessarily an issue unless you live in an HOA.

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choko_canyon last week

From November 6 to November 15 IS 10 days notice. Have the roof inspected by a professional, and if he finds nothing wrong with it, have him submit that statement to your insurance company as proof that their inspector was incorrect in his assessment.

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StephenWeinstein last week

You could resolve your problem by getting home insurance from another insurance company and cancelling the Geico policy yourself before November 15 (so that you don't get a record of having a policy cancelled by the insurance company).
But replacing your whole roof would be a better idea.

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babyboomer1001 last week

All insurance companies are going to require the house in good condition, which includes the roof. Take out a loan if you have to and get it repaired and contact them and inform them of who you are having repair it. Not a personal loan - use the equity in the house to finance the loan - if you have to. Criteria for insurance, refinancing and purchasing a house with a loan is completely different from a general inspection hired by a buyer when considering buying a house. In other words, your inspector was not inspecting for insurance purposes. You have to have the roof repaired. There is no way around it. House maintenance comes with house ownership.

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