My house has defective shingles and about 3 years ago, a roofing company came out and filed a claim to replace the whole roof. During the claim process, we found out that my deductible was 2% of house value which was almost $10,000. Roofer wanted to seek other options to reduce my portion so they continued claim, adjuster from insurance came out, and insurance company determined that their portion would be about $2,500. But Roofer couldn't find any way to reduce my out of pocket amount significantly so I decided to cancel the claim. I contacted insurance company's claim adjuster and asked him to cancel. They never issued me a check or payment.
Since then, I updated my insurance policy to reduce my deductible down to $1,500 by paying higher premium. Last month, I decided to pursue with replacing roof and found out that the insurance company still had my claim as "unresolved" and my situation got worse. I called the same adjuster who had handled my claim 3 years ago and he told me several things:
- Once claim is filed (whether it was done or not), there's no way to cancel the claim.
- Because I never finished the work, it is showing as "unresolved" in their system and also in national claim registry.
- If there's further damage such as leak or structure damage, insurance company won't cover it because I never got the work done.
- Even if I finish the claim, my deductible would be same as 3 years ago although I currently have $1,500 deductible.
- Because it is showing as "unresolved", other insurance companies won't insure me.
- Since 2013, material cost has gone up but the insurance company will still pay me the amount they agreed to pay 3 years ago. Therefore, my out of pocket cost will be even higher.
Am I really stuck as I'm being told by the adjuster? I'm trying to find the best way to handle this unfortunate situation but at the same time, I don't want to pay more than $10,000 out of my pocket because of previous claim that I didn't proceed.
Thank you for your help in advance.