Roof Damage Claim Denied

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.

Roof damage claim denied.

What are the options if an insurance adjuster denies my roof damage claim. When there is a high volume of claims the earlier you file the paperwork the sooner you will get your claim processed. If your roof has been damaged and you have homeowner s insurance you should expect to be reimbursed for the cost of repairs. Learn what to do.

Another major reason for claim denial is waiting too long to make. To know whether your insurance or warranty covers the particular event you must read its terms and conditions in full. Insurance claims are not always paid. Most people have no idea how destructive interior water damage is and many times you cannot see it.

What if the insurance company denies my roof claim. 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. And in my experience 100 of people who get their roof replaced never even ask themselves if the claim was paid fairly.

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. Most states require a homeowner to make a claim within 30 60 days. 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. Failure to make a timely claim is reason for claim denial.

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. Once the roof is repaired then a second check may be cut for any additional amounts involved in the actual repairs. In my experience over 80 of people who are told by their insurance company that some damage is not covered instantly give up.

If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have. Have the roof independently inspected document the damage. 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 you file a claim for damages that exceed your coverage limits there s a good chance it ll be denied.