Roof Claim Denied

Failing to perform routine maintenance on the roof is one of the most common mistakes homeowners make.

Roof claim denied.

If the roof is too old or the damage is caused by normal wear and tear it is unlikely that your insurance policy is going to cover the cost to repair the damage or replace the roof. If the insurer s adjuster found during the inspection your roof shingles were too old your claim can be denied. Learn what to do. 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.

Disputing an insurance denial. If your roof has been damaged and you have homeowner s insurance you should expect to be reimbursed for the cost of repairs. 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 your roof insurance claim is rejected it is most likely because of one of the following reasons.

Christopher cornetta an attorney with cornetta babine llc uses the example of a leaking water heater. 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. Some insurance claims for roofs are initially denied and some are paid out on a depreciated value for the roof. Let me tell you a little secret just because you can find a roofer to fix your roof for the amount of money that allstate or state farm or farm bureau said it was worth does not mean that the claim was properly paid.

As we mentioned earlier some insurers or manufacturers may choose not to provide full service coverage for roofs damaged beyond 30 years. You may also have to pay any deductible amount that you chose for your policy before the insurer will pay anything. And even when an insurance company does pay a claim they very often under pay the claim. It shows the claims adjuster that you could have prevented the damage but did not make the effort to do so.

What are the options if an insurance adjuster denies my roof damage claim. It is possible that an insurance claim for roof damage will be denied because of the age of the roof. One of the reasons for the low benefits is the average. 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.