How to Avoid a roof storm damage insurance claim denial
Roof insurance claim guide (2023 edition)
A denied roof insurance claim can be a stressful and frustrating experience, but it’s important to remember that there are steps you can take to increase the likelihood of a successful claim. By keeping your roof well-maintained, reviewing your insurance policy, taking pictures, filing your claim promptly, and seeking professional assistance when needed, you can navigate the process with confidence. If your claim is denied, don’t give up hope. Follow the steps we’ve outlined and consider seeking legal assistance if necessary. We hope that this article has been helpful and informative.
Common reasons for roof storm damage & insurance claim denials
Lack of Maintenance: One of the most common reasons for a denied roof insurance claim or refusal to cover storm damage on your roof is lack of maintenance. Insurance companies expect homeowners to maintain their roofs regularly, and if it is obvious that a roof is not properly maintained it can result in a denied claim.
Wear and Tear: Roofing shingles and other roofing materials deteriorate over time due to normal wear and tear. If an insurance company determines that a storm damage claim is due to wear and tear, it may be denied or there may be substantial non recoverable depreciation attached to the claim.
Exclusions: Some insurance policies have exclusions that prevent coverage for certain events or situations. Homeowners should review their insurance policy to understand what is excluded from coverage.
Non-Covered Perils: Insurance companies have specific perils that they cover, and if a claim is not related to a covered peril, it may be denied.
What to do if your roof storm damage & insurance claim is denied
Review Your Policy: The first step is to review your insurance policy to understand why the claim was denied. If the reason for denial is not clear, reach out to your insurance company to request an explanation.
Get a Second Opinion: If you disagree with the insurance company’s assessment, consider getting a second opinion from a roofing contractor or a public adjuster.
File an Appeal: If you believe the denial is unjustified, file an appeal with your insurance company. Provide any additional information or documentation to support your claim.
Hire an Attorney: If your claim is still denied after filing an appeal, consider hiring an attorney who specializes in insurance claims to assist you in further legal action.
Tips to avoid a denied roof storm damage claim or roof insurance claim
Keep Your Roof Maintained: The best way to avoid a denied roof insurance claim is by keeping your roof well-maintained. This is usually a very easy thing to do, as the most common forms of roofing issues tend to be around flashing points or other easy to fix accessories. Regularly inspecting your roof for damage and promptly addressing any issues is crucial.
Review Your Insurance Policy: Before filing a claim, review your insurance policy to understand what is covered and what is excluded. Make sure you have storm damage coverage that does not have exclusions or an large deductible. This can help you avoid any surprises or denials when it’s time to file a claim.
Take Pictures: If you do need to file a claim, be sure to take pictures of the damage to your roof before any roof replacement or roof repair work is done. This documentation can help support your claim and provide evidence of the damage.
File Your Claim Promptly: Don’t delay in filing your claim. The longer you wait, the greater the risk of further damage occurring, which can make it more difficult to prove your claim.
Most importantly – find a professional roofing contractor to assist you with your roof storm damage claim or other roof insurance claim issues! It is always a good idea to have someone who has experience in the industry and experience in dealing with roof insurance companies start the process and guide you through it to make sure you are not getting taken advantage or or missing important steps. They are on your side because they want the project to get fully covered in order to replace your roof!