Our HO 00 03 05 01 insured recently suffered damage from melting ice and snow. There was damage to the roof and to the interior of the home. The insurer has agreed to pay for the interior damage, but has denied payment for the damaged roof.

The insurer has based its declination of coverage on what it terms the shoddy workmanship evident in the roof. The seam that separated was sealed with tar and the adjuster said that was wrong. He also said the roof was worn out and that negated payment, as well.

We do not think those exclusions apply.

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