Hole in roof. Insurance not covering anything because of mold?
I was told that mold damage was some sort of pre-existing damage and that they wont cover it. The walls of course are ruined. There is a small hole in the roof and they wont even cover that because the hole didnt result from a storm.
Do I have any recourse here? Thank you.
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No. Insurance is for damage from a "sudden event", not damage caused by neglect in repairing the worn out roof in a timely manner.
Wayne, thanks. While I don't like the answer I can't say it isn't sound.
I had the same experience. The only way it's covered is if it's a tree that fell on it or a bad storm. However, something that seems to have happened over a period of time longer than normally 2 weeks they will deny it.
There is an exception, If a tree falls on a rotted section of your house they will cover it. Because even though it's preexisting the result of a hole would be sudden rather than over time. They have no way to prove the tree wouldn't have caused the same damage had the roof been without mold.