Your name saw this post on The ActiveRain Real Estate Network and thought it might be of interest to you. Please see the link below to review the post.

Gullible's Travels: Declined Claims
Sometimes a roof can naturally reach its end of  life. Texas heat can also work to prematurely age a roof when a home's attic area lacks sufficient ventilation. Intensely high temperatures can literally "cook" a roof from the inside out, and will often show up in the form of a "blister" or granulated shingles, which is often mistaken by many homeowners (and even some home inspectors) as hail damage.
Last week, we received the following letter as part of a Seller's Disclosure package. The letter noted that the homeowner filed a claim for roof replacement in October of 2014, which was subsequently declined. Whatever damage existed was simply not covered under the homeowner's insurance policy.
 
While the Seller's action to include this letter as part of the disclosure package was honorable, her listing Broker's actions didn't quite measure up. Upon receipt, we pointedly asked if a new roof was needed. The response that followed... "See report from State Farm. It's not stating that it needs a new roof."
While that actual statement may have been true, the representation behind that statement belongs in the Hall of Shame. The listing agent appeared to be attempting to pass off a declined insurance claim as a clear roof report! ... more

__________________________________________________
Are you on The Rain? Grow Your Network!