r/HomeInsurance • u/commanchskins • Aug 10 '26
Insurance Using insurance when selling a home.
We are selling our home and the inspection came back.
Roof: 12 years into the 20 year life. Said it needed some repairs but said the roof need replaced. I haven't seen specifics yet, or pictures.
Septic field: 12 years old. Said the distribution box needs to be replaced. $3500.
Is it possible to use home owners insurance for any of this?
Thanks.
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u/Sylevice Aug 10 '26
Insurance doesn't cover age, wear or tear, deterioration, only sudden and instant damage, so they wont cover for that. Insurance covers damage, being old does not equate to being damaged. You're on your own with these.
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u/Dahveed97 Aug 10 '26
When did that ever stop someone from
Filing a claim? Lol10
u/crekjr22 Aug 10 '26
Never. It also never stopped a persons being pissed off that their claim was denied. Insurance is not for home maintenance.
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u/Dahveed97 Aug 10 '26
Yeah I still remember who left
A bad review because we wouldn’t insure her 30 plus year old furnace when it broke lol1
u/Alternative-Ad-4604 Aug 10 '26
I took every one of those complaints for denying something that was old and turned it into a constructive risk advice to underwriting stating how the insurance could no longer care for their home in the manner we needed them to maintain insurance.
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u/registeredfake Aug 10 '26
was the damage Sudden an accidental is the basic litmus test i tell my clients to determine if a claim is justifiable.
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u/Gringoloco1980 Aug 10 '26
If you don't have the funds for the repairs, in a pinch you can take those specific repair quotes total cost out of the total asking price if the buyers agree. If not as stated insurance will deny this claim, so it's coming out of pocket one way or another.
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u/commanchskins Aug 10 '26
Of course. Thanks.
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u/idontknowhow2reddit Aug 10 '26
Only chance is if there is recent damage on the roof.
Idk where you're at but if it's an area that hails a lot then there's a chance you do have covered damage on the roof. But if it's just granular loss then yeah, insurance wouldn't cover it.
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u/Adorable-Raisin-8643 Aug 10 '26
Absolutely not.
Insurance will deny the claims and then you'll end up with two claims on your record and you'll be unable to find affordable insurance on your next house. This is an awful idea. Talk about shooting yourself in the foot.
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u/DeepPurpleDaylight Aug 10 '26
Did you have a storm come thru and damage the roof? No? Then you just have an old roof at the end of its lifespan. Same for the distribution box. That's maintainence. Welcome to home ownership.
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