Oklahoma woman says insurance company refuses to pay for roof damage

This is an archived article and the information in the article may be outdated. Please look at the time stamp on the story to see when it was last updated.

AMBER, Okla. - Theresa Turner said the roof on her house is a mess.

“There’s like two or three rows right there that’s already lifted up that you can see where they’re going to fly off,” Turner said.  “So, it’s already starting to lift up there as well in the front.”

Turner started noticing the problems two weeks ago when an entire section of shingles peeled back.

That's also when she noticed water damage on the ceiling of her guest bedroom.

“Now, we’re going to have Sheetrock damage,”  Turner said.

Turner called her insurance company, State Farm, and they sent an inspector to check it out.

But, he did not deliver good news.

“Due to the roof being installed incorrectly, they won’t cover it, and they have a clause of that in their policy,” Turner said he told her.

The inspector showed Turner nails in the attic, where water runs down into her home.

However, Turner said she doesn’t understand why State Farm agreed to insure her home in the first place.

“They inspected this house, according to them, and they took this policy on, so I felt like they needed to cover it,” Turner said.

Turner said two different roofers and even the State Farm inspector told her the entire roof should be replaced.

She’s now faced with the prospect of paying for it out-of-pocket.

“We paid our premiums by faith and expected them to cover any kind of major issues that we would have with this and they won’t. They said, 'No,'” Turner said.

Turner said State Farm would only pay to replace the damaged shingles, not the whole roof.

She said they also told her this would be an ongoing problem and that she would be dropped after three claims.

State Farm sent NewsChannel 4 the following statement:

"Each claim is unique and handled based on its own merits. Due to our customer privacy policy, we are not able to discuss the specifics of any particular claim or a customer’s policy information. Generally, damage to a roof due to wind qualifies for coverage (after the deductible has been met), but the final decision is determined by the facts of the loss and the results of the investigation. We will continue to work with our customer to discuss her concerns."