Wesley, Home Buyer in Flowery Branch, GA

FHA loan with hail damaged roof

Asked by Wesley, Flowery Branch, GA Mon Apr 18, 2011

Just moved into our house. The first rain storm we had, the roof leaked. After talking to our neighbors, they said that the neighborhood was in a hail storm. Every house in the neighborhood got a new roof. But our new house was empty and owned by the bank. Since it was a FHA loan, is there anything I can do?

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6
You might want to talk to an attorney and see if you have any legal right to have the roof fixed for you. It was damage from before you moved in. Because you already bought the house, you may have some issues. You might have to start looking into some companies that can repair your roof. Good luck with everything.
http://www.alpenroofing.com/home.html
0 votes Thank Flag Link Tue Jan 6, 2015
I agree that talking to an attorney would be a good idea. However, I would try getting your roof fixed as soon as you can. You don't want to mess with a leaky or broken roof. Getting that fixed as soon as possible should be your first obligation. Then I would worry about everything else! http://www.denverroofing.net/denver-colorado-hail-damage-roof-repair.htm
Flag Tue Apr 28, 2015
If this wasn't a foreclosure, I'd suggest reviewing the Property Disclosure document and see if any mention was made of roof leaks. If you prove it was leaking before the sale and it wasn't disclosed, you may have some recourse there. But it may be hard to prove it was and the Sellers knew it.

Review your Home Warrenty ( if you purchased one), and see what level of coverage it has. Call your insurance company and ask what their claims process is. They may require their own inspectors access the roof.. Feel free to have a roofer give an estimate. I highly recommend checking out the roofing company, online, at the BBB website. It's fast and free! You'll be able to see consumer complaints and know if the complaints were resolved. Better to know before than after!
Web Reference: http://negahomes.com
0 votes Thank Flag Link Mon Apr 18, 2011
Wesley.....
1. When did you buy your home? You say you just moved in.
The hail storm which did the most damage locally was on March 15th 2008 and it is true that in many subdivisions the vast majority of rooves were replaced, on insurance, in the aftermath of that event. Certainly almost all were in ours (Newberry Point in Flowery Branch).
2. Did you have a Home Inspection when you bought? If the damage was done at that time I would have thought that there would have been signs of leakage both in the roofspace and on celings (staining) which would have been noticed by an inspector.
3. An FHA Appraiser would likely not have physically inspected the roof at close quarters, but would probably have noted such things as missing shingles and other obvious exterior damage, and any obvious signs of leaks on the interior (ceiling staining). If he had major concerns he would have made your appraisal conditional on those concerns being repaired by the Seller pre closing.
4. Your current problem could be as simple as blocked gutters, inadequate flashing or some such. Try to identify where the water is getting in and that should gice you a clue as to whether it is a roof or general mainteance problem. You should be able to get a free, no obligation roof inspection, from a reputable contractor (careful......there are some REAL crooks out there!), and I would do that before contacting your insurance company. If you want a name then give us a call. No point in getting on the Ins Co radar if the problem can be fixed for less than your deductible!!

ANDY PEARSON (The Brit) . Kim Schmitt & The Brit, REMAX Advanced
770-967-3352 - pondskipr@aol.com

Wesley.....
1. When did you buy your home? You say you just moved in.
The hail storm which did the most damage locally was on March 15th 2008 and it is true that in many subdivisions the vast majority of rooves were replaced, on insurance, in the aftermath of that event. Certainly almost all were in ours (Newberry Point in Flowery Branch).
2. Did you have a Home Inspection when you bought? If the damage was done at that time I would have thought that there would have been signs of leakage both in the roofspace and on celings (staining) which would have been noticed by an inspector.
3. An FHA Appraiser would likely not have physically inspected the roof at close quarters, but would probably have noted such things as missing shingles and other obvious exterior damage, and any obvious signs of leaks on the interior (ceiling staining). If he had major concerns he would have made your appraisal conditional on those concerns being repaired by the Seller pre closing.
4. Your current problem could be as simple as blocked gutters, inadequate flashing or some such. Try to identify where the water is getting in and that should gice you a clue as to whether it is a roof or general mainteance problem. You should be able to get a free, no obligation roof inspection, from a reputable contractor (careful......there are some REAL crooks out there!), and I would do that before contacting your insurance company. If you want a name then give us a call. No point in getting on the Ins Co radar if the problem can be fixed for less than your deductible!!

ANDY PEARSON (The Brit) . Kim Schmitt & The Brit, REMAX Advanced
770-967-3352 - pondskipr@aol.com
0 votes Thank Flag Link Mon Apr 18, 2011
Too be honest I do not know anyone that has paid for a new roof unless they built their home themselves. In Georgia we are known to get heavy storms and hail/wind wrecks havoc. Your home owners insurance policy should cover it.
0 votes Thank Flag Link Mon Apr 18, 2011
Hi, If there was a leak prior to closing that would be easier to deal with. Your best bet is to contact your home owners insurance company.

Christopher Pagli
Licensed Associate Broker
Accredited Buyer Representative
GREEN Designated Agent
William Raveis Legends Realty Group
914.406.9023
0 votes Thank Flag Link Mon Apr 18, 2011
It sounds like there was no previous water damage or you or the FHA inspector would have noticed it. The FHA requires a pretty good inspection prior to closing and it sounds like the damage might have occurred after the inspection, did your walk-thru not see anything either? My guess is you will need to contact the insurance company and deal with them to see if they can get it fixed.
0 votes Thank Flag Link Mon Apr 18, 2011
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