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Old 07-26-2014, 07:12 PM   #1
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Yesterday I was getting ready to install laminate flooring in my boys room and found the bottom corner of the drywall was discolored. After removing the drywall and insulation I have rotted wood and carpenter ants . It appears the roof has leaked and rotted the sheathing and part of the studs. My question would be for insurance purposes. Would they cover the damage with existence of ants or does that matter? Thanks

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Old 07-26-2014, 07:29 PM   #2
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Looks like now you have to fix the roof and any water leakage. You are talking a bigger can of worms at this point. At least it will all be fixed, by the time you get around to putting down the flooring.

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Old 07-26-2014, 07:45 PM   #3
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Insurance doesn't normally cover normal maintenance issues. If a tree fell on your house and made the roof leak they might cover it.
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Old 07-26-2014, 07:54 PM   #4
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I would just make a call to the insurance company and ask them.
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Old 07-26-2014, 08:24 PM   #5
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I would just make a call to the insurance company and ask them.
Or cut down a tree!
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Old 07-26-2014, 08:28 PM   #6
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They are coming out monday afternoon. Its going to be a huge can of worms. Really dreading it

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Old 07-26-2014, 08:57 PM   #7
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They are coming out monday afternoon. Its going to be a huge can of worms. Really dreading it

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Yes it is. Depending on who your HOI is. They may end up raising your rates after this.

Be ready for them to deny the claim, and you will have to foot the bill out of pocket.
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Old 07-26-2014, 10:29 PM   #8
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The only thing guaranteed about insurance of any kind is that your rates go up every year

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Old 07-26-2014, 11:31 PM   #9
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Why not post some pictures? At least we may be able to tell you what has to be done so you don't get scammed. How old is your roof? This is the first indication you have had of a roof problem???
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Old 07-26-2014, 11:33 PM   #10
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The only thing guaranteed about insurance of any kind is that your rates go up every year

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Yeah, and that your particular repair is about 99 cents below the deductible.
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Old 07-27-2014, 12:14 AM   #11
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Im using my phone and still trying to figure out posting pics with the new app. Once I get it figured ill post it. The 2x4s seem pretty solid its the sheathing that worrys me. The insurance guy coming out is just to make sure the roof isnt damaged. When I cleaned my gutters this spring that corner gutter was unusually full .

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Old 07-27-2014, 12:15 AM   #12
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The sheathing is only affected about 18 inches from the corner.

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Old 07-27-2014, 07:36 AM   #13
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You may have diagnosed the leak wrong---rotting walls are most often caused by improperly installed windows and siding---bad flashing details---

Pictures are important----is there an indication that the roof is the cause of the rot?
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Old 07-27-2014, 09:40 AM   #14
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what siding is on the house ?
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Old 07-27-2014, 09:54 AM   #15
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How do I post photos from my gallery? The old app was simple is there a photo app everyone uses with the new app?

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