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Had a problem similar to Charlatan only the ice dam in the gutters caused the water to back up under the roof shingles and into the sunroom. Had to replace the roof, carpet and ceiling and repaint the walls. The worst of the leak was right above the sofa we had literally just bought the week before. (Fabric cleaner got the water stain out)
Had to run out and buy a bunch of tarps to cover the rest of the furniture, none of which got damaged.
We had some difficulty with the adjuster the insurance company sent. He wasn't going to pay for anything. Wanted to dry the carpet and repaint the ceiling. Fortunatly, the roof guy had to tear out a section of the ceiling to check for damage to the roof panels. Told the adjuster I have mold allergies and it would end up costing more later, so he ok'd the carpet. Couldn't get him to pay for the new roof though. The previous owner had put shingles on a low angle roof and the adjustor said it was his fault and subsequently my responsibility to replace it. My adjuster said there was little I could do about that so I had to eat the cost of the roof. I got 2 out of 3 major expenses paid for. It took about 7 months before the room was usable again.
I spent the next few months waiting for the policy cancellation notice, but it never happened.
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