Don’t Get Stuck Without Coverage What to Do When Your Insurance Company Denies Your Roof Claim
What do you do when your insurance company denies your roof claim? For many homeowners, this situation can seem impossible to navigate. But it doesn’t have to be that way if you know where to look and how to appeal the claim denial. Read on for more information about your options and what to do next.
The Main Reasons Your Roofing Claim May be Denied
In many cases, an insurance company will roof claim denied on multiple occasions, leaving a homeowner no other choice but to seek legal action. A study by National Wind Insurance revealed that nearly one in five homeowners have experienced some form of damage within their home as a result of extreme weather. Of those surveyed, 91% said they had filed a claim with their insurance provider. Unfortunately, though, not all claims are approved and in many instances are found to be fraudulent or inconsistent with company regulations. Here’s what you need to know if your roofing claim has been denied.
The first thing to do is research how much it costs to fix your own roof; then go over how much it would cost for someone else to fix it. This may seem like a strange idea at first, but after thinking about it further, you’ll see how these two actions can work together so well in terms of saving money. The reason is simple: You don’t want to get stuck paying twice for something when there’s already someone out there who can do it for less. The most common type of insurance policy is called property insurance , which protects against losses from natural disasters such as hurricanes and tornadoes. The third type is liability insurance , which protects against injuries caused by people who are using another person’s property, such as cars and trucks.
Understanding the Terms of Homeowner’s Insurance
No matter what kind of insurance policy you have, it’s important to know exactly what it covers and doesn’t cover. Pay special attention to fine print like exclusions and deductibles. For example, if you have a general homeowner’s insurance policy, but your roof wasn’t inspected for damage when you bought or renewed your policy, your claim could be roof claim denied because you failed to disclose that part of your house had sustained damage. You might even be covered for storm damage in general, but if your roof wasn’t explicitly mentioned in your insurance contract as being covered by that coverage – regardless of whether or not it was damaged – then there may be no coverage available at all. This is why it’s so critical to read through your insurance policies carefully before you buy them, especially since insurance companies are notorious for burying small details about things that aren’t included in their policies
Speak with an Agent About Options
If your insurance company denied your roof claim, get in touch with a licensed agent who works in home and commercial property coverage. A professional can explain how you can appeal your claim, which could lead to reinstatement of coverage and help you figure out how best to handle your situation. Remember that agents are licensed by state regulators and are there specifically for their expertise, while insurance companies may not be. The agent is going to be looking at a number of factors such as age of structure, square footage and type of construction along with other variables to determine what steps would need to take place for a successful claim outcome. This will include an assessment of costs associated with repairs or replacement. There are also options available that might provide additional protection against similar damage happening again. This might include adding riders to cover wind damage or even choosing another policy entirely. An experienced agent will be able to guide you through these options and make sure you have everything covered moving forward so you don’t have to worry about being stuck without coverage should something like this happen again.
Is There a Way Around This?
Like any other business, an insurance company exists only to make money. As a consumer, you have rights. In fact, you can choose any agent or agency you like and shop around for coverage. Here’s where a local independent agent may come in handy—he or she will be familiar with roof claim denied and what they offer and will help you evaluate your options so that you can decide on a plan that works best for your needs at an affordable price. For example, if there is more than one layer of shingles on your roof—that means there are multiple layers of coverage through different policies. Sometimes when one policy denies a claim it doesn’t stop another policy from picking up where it left off. So even if you do get denied by one insurer, don’t give up hope! You might find out that you still have some coverage after all.
If you do end up having to pay for repairs yourself, then at least know that most states require contractors to put down a deposit before starting work. This ensures that they’ll finish the job and won’t disappear once they’ve gotten paid. If your contractor does take off without finishing, then he’s forfeited his deposit (which should cover most of your costs). If you’re facing a roof repair bill but are unsure about how much work is needed or how much it will cost, call in an expert. A trained eye can often spot issues that homeowners miss (such as water damage) and provide valuable insight into how much work actually needs to be done.
If All Else Fails, Consider Legal Action
If your insurance company roof claim denied, you may be able to pursue legal action against them. In some cases, it’s possible to prove that an insurance company has acted in bad faith and committed fraud. If you’re willing to go through a lengthy appeals process, hire a lawyer and file for arbitration or even sue your insurer in civil court, you may be able to win compensation. Just don’t expect it will be easy. That said, if you have no other option but taking legal action against your insurer or you fear they’re going to spend years dragging their feet while dealing with what they clearly consider an open-and-shut case of fraud, it could end up being a worthwhile avenue for pursuing some sort of justice. But as with all things related to litigation, be sure you know what you’re getting into before trying to take on a powerful entity like an insurance company.
Legal fees alone can cost tens of thousands of dollars (or more), so think carefully about how much time and money you want to invest before making any rash decisions. Forbes magazine contributor Roger Parloff gives these tips when faced with dealing with an uncooperative insurance company: Make sure there are witnesses present when roof claim denied. Many people find it easiest just to submit everything by email. But if your carrier refuses payment anyway, then at least having several emails from different employees—particularly those above middle management—can help build a strong case for legal action down the road.