Daughter’s house purchase problem

The denied coverage has nothing to do with past claims. A repaired roof is less risk than an old roof etc. It has something to do with the age of the home or the neighborhood or even some other off the wall excuse. Our area had mass cancelations a few years back and everyone was told to replace their shingles, metal roof or else even though some were new. It was nothing more than a major insurance company wanting to withdraw from the area.
It’s a newer house I’d say less than 25 years old and in a nice suburban neighborhood

https://www.zillow.com/homedetails/...ssage&utm_medium=referral&utm_source=txtshare
 
I know little about insurance, but I know a lot about big data. Once a record like that is wrong it can be a monumental task to fix. Even if you can convince someone to fat finger over it for now, in 6 months it will show back up next time someone syncs their database.

Also never underestimate the sellers ability to lie. Just saying. Something I have learned from school of hard knocks.

Its the sellers problem, and I feel for them. But unless its a Flank Lloyd Write House with a view, I would run and not look back.
 
I know little about insurance, but I know a lot about big data. Once a record like that is wrong it can be a monumental task to fix. Even if you can convince someone to fat finger over it for now, in 6 months it will show back up next time someone syncs their database.

Its the sellers problem, and I feel for them. But unless its a Flank Lloyd Write House with a view, I would run and not look back.
Or get a YUGE discount!!
 
Interesting that house has less taxes including the 200$ hoa fee than my

1952 1100sq ft house. (retail value 100k maybe)
of course my property tax went up 80% since 2014
 
$50K is a pretty small claim for water damage. I think the aircraft damage has peoples' attention.
Exactly. I’m a retired fire fighter and I’ve seen houses with way more than 50k in damage be repaired and back up and running, and even sold later lol.

I suppose I'm relating it to the water damage I had around my chimney. It was nowhere near that figure, not by a long shot. When I think of water damage, I just don't think of 50k payouts and aircraft. I know the figures can vary considerably by the amount of damage and in different markets, but this still seems bizarre.
I would want solid clarification from the insurance company and the sellers before moving forward. I would want to know what happened and what had to be done to repair it all.
 
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Call the local FD and ask if there was a response to this address. Of course also call the Ins Co. I do not know if they have a duty to disclose. I don't understand the issue if it was repaired. Mold and Mildew? May require an inspection from the buyers prospective INs co. to clear the way. Dont know if they will do pre sale inspections.
 
Bingo! And if they resist = possible lying in my book
I like the idea of independently obtaining any police or fire report and a copy of the work performed--directly from the roofer or carpenter, not from the seller. If the insurance company, lies, deceives or refuses to correct an inaccurate claim summary, hire an attorney if the daughter is locked into the home purchase. If not, just walk away.
 
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You would think the seller would have all of this info and would have corrected it.
Why ? I'll bet they're with the same insurance company that paid the claim.
A reputable roofing contractor, perhaps the one that did the repairs would be the better choice to confirm the integrity of the roof.
Something tells me the contractor that did the job isn't going to say, "yeah, we did a pretty crap job on that one, but we got paid!".
 
Call the local FD and ask if there was a response to this address. Of course also call the Ins Co. I do not know if they have a duty to disclose. I don't understand the issue if it was repaired. Mold and Mildew? May require an inspection from the buyers prospective INs co. to clear the way. Dont know if they will do pre sale inspections.
She said their house inspection guy did water testing on the drywall in every room and the ceilings too. The crawl space has two sump pumps, I guess due to the flat lot not draining well in downpours but the entire crawl space is covered in white rubber and is completely clean and well lit according to my SIL
 
Why ? I'll bet they're with the same insurance company that paid the claim.

If they are with the same insurance company and they don’t understand what “caused by aircraft” means, they need to correct it. If an aircraft incident had nothing to do with it, they need to correct it.
If it did involve some incident from an aircraft, they would understand completely what “caused by aircraft” means.
If something recorded on my insurance claim is causing potential buyers a problem insuring this home, therefore causing a problem for me the seller, I’m correcting the problem. (If there is indeed an error)
It’s pretty straight forward.
 
If they are with the same insurance company and they don’t understand what “caused by aircraft” means, they need to correct it. If an aircraft incident had nothing to do with it, they need to correct it.
If it did involve some incident from an aircraft, they would understand completely what “caused by aircraft” means.
If something recorded on my insurance claim is causing potential buyers a problem insuring this home, therefore causing a problem for me the seller, I’m correcting the problem. (If there is indeed an error)
It’s pretty straight forward.
Pretty sure I already said the seller needs to get this corrected and removed from their insurance "record". My point was, if they stayed with the same insurance company all along, both before and after this claim, they would never see this record on their insurance file. They probably had no idea it said there was damage related to an aircraft.
 
The seller disclosed it and the inspector, for what that's worth, sees no issues. I presume the insurance company that paid for the repairs signed off on them too. That's the end of that.... A buyer can't cling on to this forever.
This is the biggest purchase most people will ever make, and this problem places the entire value of the home into question and possible jeopardy. This is not having to ask your second choice to the prom and it is definitely worth holding on to and running down to the point of resolution. Your advice is wrong, misjudges the situation and is very dangerous. This buyer could lose everything.
 
Pretty sure I already said the seller needs to get this corrected and removed from their insurance "record". My point was, if they stayed with the same insurance company all along, both before and after this claim, they would never see this record on their insurance file. They probably had no idea it said there was damage related to an aircraft.

Well, then we agree that they need to correct it. I'm not sure why you asked me "why?" in relation to what I said.
If they had extensive work done related to whatever the mishap was, they should be fully aware of what is on record. They should have received paperwork explaining the payout.
I find it interesting that they have no idea what "caused by aircraft" means. The whole situation would just put me off considering the purchase, especially since no other insurance company wants to insure this house.
So, either the insurance company made a big mistake with "caused by aircraft", or the sellers are feigning ignorance for some reason. I don't know.
If this gets resolved, I hope the OP comes back and sheds some light on the subject. I would be very interested in hearing what actually happened.
 
Nice house. Prices sure have gotten high over the years. That house and neighborhood looks like one I bought 30 years ago for 90k new in Lexington Ky. I should have bought up a lot of property and held on to it.
Same. My house is the next to biggest one on my cul de sac and the most recent sales are almost four times what I paid for mine twenty five years ago and being at the end in the circle we have better, deeper lots although they are pie shaped. All the kids are gone and I’ll be looking to downsize in the next couple of years.
 
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