About Bennie 719 Expertise I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. Also thoroughly familar with claims handling procedures. Will not be able to quote rates because I took an early retirement. I still maintain a valid California Property/Casualty Agent/Broker license.
Experience Experience in the area: I have been answering questions at allexperts.com since 2002 in the catagory of "Property & Casualty Insurance". Licensed in California since 1961, first in Life/Health for 3 years and as a Property/Casualty Agent/Broker since 1964. Retired at age 58, but still complete my 30 hours of continuing education every two years in order to keep renewing my license.
Question I moved into a home in Md in August 2008. There was a hail storm in my neighborhood in May 2008, that damaged many roofs in the area. My roof also sustained damages. Will my homeowner insurance (Travelers) cover damages that occured before I moved in?
Answer Hi Simone,
No, a policy will not cover a loss that happened before the effective date of the policy.
Unless you purchased the property in an "as is" condition, many states require that the seller inform the buyer in writing of any existing damage. Check with your realtor to learn the law for your state.
