State Farm Insurance coverage for roof water damage

[johndeerefarmer]

If you have State Farm and have had water damage did State Farm pay?

[sayoung]

schlep1967 wrote:
If you can see a tear in the roof from a foreign object, like a tree limb, it may be covered. If it is leaking due to lack of maintenance at sealed seams, probably not.

I hit a tree branch last year, no water damage tho, & SF was very easy to work with & generous .
I doubt water damage from not fixing a leak would be something any insurance would pay on, strictly my opinion.

[Crowe]

OP, did you or did you not contact your agent prior to this post? Changes the whole flavor of the discussion.

[GDS-3950BH]

2005, Several years ago, 2009? May as well go down to the corner of Main and 1st St and ask your question to anyone who walks by lol.

Call your agent.

[mleekamp]

In 2005, our TT roof leaked over winter -- due to ice I'm sure. Found out when I opened the door in spring, and stepped thru the floor where it rotted over winter. Trailer was 2 years old.

State Farm covered it -- roof fixed and new floor.

Side note: in the middle of it getting fixed, I walked around the lot and we found a trailer we liked the floor plan better. In an hour, we traded our old for the new ... dealer treated the old TT as if it was already repaired. Worked out well.

[Tal_IL]

Several years ago I noticed storm damage to my motorhome roof when I looked out an upstairs window while parked at home. Took it to my dealer and they advised roof should be replaced, and I should contact my insurance company. Estimate was $6,000. One call to State Farm and they coordinated with the dealer. A couple weeks later SF cut the check for $6,000.

[kellem]

Back in 2009 had small branch spear through roof of brand new camper.....State farm covered it promptly.

[valhalla360]

You are going to have to tie it to an incident and then you will have to show that you took reasonable action after the incident to limit the damage.

Otherwise, 99% chance they put it back on you that you caused it thru lack of maintenance. Even with an incident, good chance, they claim any rot was maintenance and not covered.

[delwhjr]

On a previous trailer the entire side of the trailer de-laminated due to water damage from a seal leak on roof. State Farm paid without any hassle.

[pinesman]

I can't speak for State Farm but Farm Bureau covered mine.

[time2roll]

Property insurance generally covers some event that caused damage.
Defects in workmanship, slow deterioration or poor maintenance.... not so much.

[RetiredRealtorR]

Crowe wrote:

Bumpyroad wrote:

theoldwizard1 wrote:
I would be very surprised if they did. Too easy to claim "poor maintenance".

most likely it was "poor maintenance".
bumpy

Jumping to conclusions. OP didn't say what type of water damage or how it occurred.

I don't see much point in asking here-call State Farm and ask. Your policy may differ from others. I don't understand why people just don't go to the source to get accurate information.

Maybe he DID contact State Farm and they declined the claim, and that's why he's asking. No need to 'jump to conclusions' here, right? :C

[Lwiddis]

Document carefully why there is roof damage. Lack of maintenance..nope.

[Flapper]

schlep1967 wrote:
If you can see a tear in the roof from a foreign object, like a tree limb, it may be covered. If it is leaking due to lack of maintenance at sealed seams, probably not.

Precisely what I was told by my insurance company (not SF) when side delamination happened, and it was due to water intrusion from the roof. In my case, they sent an adjuster, and the dealer showed him the unknown tear from probably a branch. No argument, since it was due to hitting something. Unfortunately, the cost to repair was so much, they just totaled it.
Dealer said they see the problem a lot - but most of the time, the claim is denied since it was "lack of maintenance", and not due to striking something.

[schlep1967]

If you can see a tear in the roof from a foreign object, like a tree limb, it may be covered. If it is leaking due to lack of maintenance at sealed seams, probably not.