Hi, I have some questions regarding an old claim that was filed with my insurance company as a result of the San Bruno PGE Explosion. I'm insured by Liberty Mutual, I had filed a claim after the PGE incident. The repairs to my home we mostly cleanup, paint, etc. Due to the proximity of my home to the fire, I had concerns regarding the roof. My insurance company denied any repairs/replacement of the roof as they felt it was not needed. I've submitted letters from roofing manufacturers and vendors stating that the roofing material is not designed to withstand such heat; the insurance company still denied any repairs. Trusting the insurance company's feedback, I left this issue alone. Fast forward to 2014, I now have water damage to one of my bedrooms as a result of some type of roof leak. I'd like to submit a claim for these repairs, but I'm left to believe my insurance company skirted the roofing issue. Is this claim something that should be considered part of the original PGE claim, or should I simply open a new claim? I'm imagining (regardless of my previous claim) it is the responsibility of my insurance company to determine the cause of this water damage and correct the issue completely. Is this accurate? I appreciate the help, thanks.

About The Expert

William Hedden

William Hedden is President and CEO of Consolidated Adjusting, Inc, a public insurance adjusting firm. In 1991, he became a licensed Public Insurance Adjuster with the California Department of Insurance. He is also a licensed real estate broker and a licensed B-1 general contractor in the State of California. He earned a law degree from Hastings College of Law and was admitted to the State Bar of California in 1979. Mr. Hedden served on United Policyholders' Board from 1997-2016.