How Does Home Insurance Treat Hail Damage That Occurred When A Previous Owner Lived There? 
Most states require that disclosure forms be filled out by the seller , indicating any damage that happened to the property while they owned it . If your state requires such a disclosure , you have legal recourse against the seller for fraudlently filling out the disclosure . If the damage happened in the last year , while the previous owner owned the home , you can probably still have them go back to the insurance they had at the time and file a claim . It 's not unheard of . If it 's been over a year your only recourse would likely be small claims court of a lawsuit . If a realtor helped you buy the home , it might be worth discussing this with them as , if you have a disclosure they can probably help make it clear to the seller that they should not have lied on the disclosure . 