I’m emotional, please bear with me if I rant….
I have a home for sale currently and I’ve dealt with 2 prior contracts that fell through. I was feeling as though my house would never sell.
But a buyer came around and as of 2 weeks ago, had a closing date of the beginning of October.
And just 3 days ago on Sunday, the home was hit by a category 4 hurricane.
I am not living in the home. It’s for sale and everything was moved out (this turned out to be such an important thing).
I was told by a friend it could be a problem with my homeowners insurance that nothing is in the house. They could consider it “not my primary residence” and void the policy.
There is minor roof damage. The roof is still there, thankfully, most were not so lucky, but about 10% of shingles are missing and there are leaks in 2 bedrooms likely from tears in the tar paper. So water damage as well.
Very light water damage marks on a couple spots on the ceiling.
For a devastating cat 4 storm with 150 mph winds, this is the only damage. I am so thankful.
But my agent reached out and asked if I checked the home for damage and told her the damage found. She said, honestly she doesn’t think the sale may proceed.
I’m heartbroken and just defeated in so many ways.
I have to file this with my homeowners insurance (never done this before). What should I make sure I do before I file the claim online?
I want to make sure I don’t make mistakes. I’ve never done this before and I am overwhelmed.
My policy has a 2% / $2,440 “named storm” deductible.
Submitted September 01, 2021 at 11:28PM by rouxinajar https://ift.tt/38yztDH
