I purchased my house 2/27/06 located in Edmond Oklahoma. I contacted my insurance agent, Steve Eubanks to insure my home. I have had him as my agent for several years. He notified me later that my house for covered and with full replacement for any damage on my roof. I sold my house in January. The buyers had their home inspector come out he noted my roof had hail damage and needed to be replaced. I contacted Guide One to put in a claim. They sent their adjuster out and he noted that the hail damage occured in 2005. Steve Eubanks then later contacted me and said not only was the hail damage from 2005 but the previous owners had filed a claim with their insurance company but not repaired. He then went further to say that Guide One would not pay on my claim. I asked if Guide One had inspected my roof at the time they began insuring me and if so why they didn't advise me then of the damage.instead they waited until I had a claim then deny it. He said it was not Guide Ones problem but that I as the owner should have inspected the roof for hail damage when I purchased it.
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