Roof Damage Claim Denied

However if your insurance claim is denied don t take no for an answer without further investigating.

Roof damage claim denied. 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. In my experience over 80 of people who are told by their insurance company that some damage is not covered instantly give up. 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. If you file a claim for damages that exceed your coverage limits there s a good chance it ll be denied.

Disputing an insurance denial. 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. 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. What are the options if an insurance adjuster denies my roof damage claim.

Once the roof is repaired then a second check may be cut for any additional amounts involved in the actual repairs. Learn what to do. What if the insurance company denies my roof claim. Most people have no idea how destructive interior water damage is and many times you cannot see it.

Another major reason for claim denial is waiting too long to make. 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. Most states require a homeowner to make a claim within 30 60 days. Insurance claims are not always paid.

And in my experience 100 of people who get their roof replaced never even ask themselves if the claim was paid fairly. You can also hire an independent insurance adjuster not a public adjuster see mistake 5. 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 your roof has been damaged and you have homeowner s insurance you should expect to be reimbursed for the cost of repairs.

Failure to make a timely claim is reason for claim denial. To know whether your insurance or warranty covers the particular event you must read its terms and conditions in full. 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 re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have.