Roof Damage Claim Denied

Most states require a homeowner to make a claim within 30 60 days.

Roof damage claim denied.

If your roof has been damaged and you have homeowner s insurance you should expect to be reimbursed for the cost of repairs. If for example your policy s dwelling coverage has a limit of 200 000 but your home costs 300 000 to rebuild your 300 000 damage claim won t fly. If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have. Having your roof insurance claim denied means the insurance policy or warranty does not cover the particular damage causing event that led to your roof damage.

Insurance claims are not always paid. What are the options if an insurance adjuster denies my roof damage claim. Experiencing significant damage to your roof and your insurance roof replacement questions are undoubtedly a stressful time between navigating the insurance claim process follow ups with adjusters and roofers who specialize in the types of roofing claims you are dealing with and even the loss of business that may result from not being to. Learn what to do.

If your roof has reached or surpassed its expected lifespan and is damaged your roof damage insurance claim may be denied due to the age of the roof. If your insurance company has denied the replacement of your roof and you re confident that you have functional damage please contact us and we will be happy to help you assess your situation. If you file a claim for damages that exceed your coverage limits there s a good chance it ll be denied. In my experience over 80 of people who are told by their insurance company that some damage is not covered instantly give up.

Once the roof is repaired then a second check may be cut for any additional amounts involved in the actual repairs. To know whether your insurance or warranty covers the particular event you must read its terms and conditions in full. Failure to make a timely claim is reason for claim denial. Most people have no idea how destructive interior water damage is and many times you cannot see it.

And in my experience 100 of people who get their roof replaced never even ask themselves if the claim was paid fairly. Have the roof independently inspected document the damage. However if your insurance claim is denied don t take no for an answer without further investigating. You can also hire an independent insurance adjuster not a public adjuster see mistake 5.

Disputing an insurance denial. If you believe that the insurance company is wrong and the damage should be covered by your insurance policy you can appeal the denial. If you don t see much damage aren t sure what you re looking for or don t want to get on your roof have a good roofing contractor perform a free inspection. If your roof damage insurance claim is denied and you do not agree with the decision contact the insurance company and schedule a re inspection.