Is prior insurance liable for roof damage found or is the current insurance company?
I had a roof inspection and they found hail damage that occurred maybe 10 months ago. I got a new homeowners policy 1 month ago. Is the insurance company I had 10 months ago responsible for the claim, or the insurance I have now at the discovery of the damage?
Your new insurance carrier would be the company you file this claim with. Since there was no active claim with your old company, they would not open an investigation past your policy expiration date. Your new company will evaluate the claim and pay out with actual cash value rather than replacement cost.