The policy under which the claims have been
presented is a HO-3 Homeowner policy issued to Ms. [redacted]. Ms. [redacted]
reported a roof leak claim to Badger Mutual Insurance Company on April 9, 2015.An inspection was
conducted by an independent adjusting firm, [redacted] on April
13, 2015....
The inspection found water leaking in the SW corner of the home where
the 1st story addition ties into the siding/brick. The flashing
along this area has deteriorated and caused water to leak into the home. Hail damage
was not mentioned when the claim was reported nor during the inspection. This
claim amounted to $2,614.75. After applying the $500.00 policy deductible,
payment of $2,114.75 was issued on April 20, 2015.On May 1, 2015, the insured reported another claim advising
that she had a contractor inspect the roof and they advised that she had hail
damage from a storm occurring May 20, 2014. Another inspection was conducted by
[redacted] on May 8, 2015. No damage was found to the roof but hail
impacts were found to the soft metals such as gutters, downspouts, awnings,
roof vents and siding. This claim amounted to $6,111.03. After deduction of
depreciation of $1,839.66 and the policyholders 20% hail deductible ($854.27),
payment was issued to the policyholder for $3,417.10 on May 12, 2015.Since these are two separate
losses, two deductibles would apply. Should you have any questions with regard
to this, please feel free to contact me.
We acknowledge your follow up inquiry in
our office.The water damage was the result of
deteriorated caulking where the 1st story addition ties into the
siding/brick (see photograph attached). This is not related to hail damage.With regard to the
hail damage, her contractor advised that she had roof damage subsequent to the
water damage inspection. The independent adjuster who inspected the water
damage claim,[redacted] of [redacted]
again inspected the home and found no damage to the roof, but impacts to the
gutters, downspouts, awning and siding (see attached photos). Ms. [redacted]'s
contractor agreed with the damage assessment. As these are two unrelated
incidents, two deductibles would apply.
The policy under which the claims have been
presented is a HO-3 Homeowner policy issued to Ms. [redacted]. Ms. [redacted]
reported a roof leak claim to Badger Mutual Insurance Company on April 9, 2015.An inspection was
conducted by an independent adjusting firm, [redacted] on April
13, 2015....
The inspection found water leaking in the SW corner of the home where
the 1st story addition ties into the siding/brick. The flashing
along this area has deteriorated and caused water to leak into the home. Hail damage
was not mentioned when the claim was reported nor during the inspection. This
claim amounted to $2,614.75. After applying the $500.00 policy deductible,
payment of $2,114.75 was issued on April 20, 2015.On May 1, 2015, the insured reported another claim advising
that she had a contractor inspect the roof and they advised that she had hail
damage from a storm occurring May 20, 2014. Another inspection was conducted by
[redacted] on May 8, 2015. No damage was found to the roof but hail
impacts were found to the soft metals such as gutters, downspouts, awnings,
roof vents and siding. This claim amounted to $6,111.03. After deduction of
depreciation of $1,839.66 and the policyholders 20% hail deductible ($854.27),
payment was issued to the policyholder for $3,417.10 on May 12, 2015.Since these are two separate
losses, two deductibles would apply. Should you have any questions with regard
to this, please feel free to contact me.
We acknowledge your follow up inquiry in
our office.The water damage was the result of
deteriorated caulking where the 1st story addition ties into the
siding/brick (see photograph attached). This is not related to hail damage.With regard to the
hail damage, her contractor advised that she had roof damage subsequent to the
water damage inspection. The independent adjuster who inspected the water
damage claim,[redacted] of [redacted]
again inspected the home and found no damage to the roof, but impacts to the
gutters, downspouts, awning and siding (see attached photos). Ms. [redacted]'s
contractor agreed with the damage assessment. As these are two unrelated
incidents, two deductibles would apply.