Home insurer won't fix existing roof damage

DEAR BENNY: Recently, five out of seven of our neighbors in our cul-de-sac had their roofs replaced due to hail damage. The insurance companies involved verified hailstorms in the area. At our request, our insurance company sent someone to inspect our roof who confirmed that it also has hail damage. The problem is that we purchased our house after the hailstorms. Our homeowners insurance will not cover damage that occurred before the policy was in place. The inspector we hired to inspect our house before we purchased did not notice any roof damage.

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