Roof Damage Claim Denied

Review your homeowners insurance policy carefully.

Roof damage claim denied.

An adjuster hired by the insurance company comes out to inspect the damage. Failure to perform routine maintenance on a roof will show a claims adjuster that you had the power to prevent roof damage but did not take the steps to do so. Having your roof insurance claim denied means the insurance policy or warranty. In the case that you have some damage but not enough to make an insurance claim worthwhile your local roofing contractor can likely work out a repair plan with you and as always consult a public adjuster or your insurance agent if you have any questions about roofing insurance claims.

Failure to make a timely claim is reason for claim denial. Here are some steps you can take towards getting your claim approved. Once you receive the explanation check your policy and. This is how they do it.

Collect all the information relevant to your claim including date s extent of the damage and all maintenance and. Common reasons not included in the terms and conditions. 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. Unqualified roofing contractor installation.

Did you or the insurance company s adjuster sent out to assess the damage. One reason for having your roof insurance claim denied is due to an. If the rejection was. If it is obvious that the claim must be paid the adjuster will recommend the cheapest repairs possible.

Some insurance claims for roofs are initially denied and some are paid out on a depreciated value for the roof. Have the roof independently inspected document the damage. You may also have to pay any deductible amount that you chose for your policy before the insurer will pay anything. 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.

But it doesn t have to end with a denial. Most states require a homeowner to make a claim within 30 60 days. Make sure you fully understand what is included and what is excluded. The inspector looks for ways to deny the claim.

When there is a high volume of claims the earlier you file the paperwork the sooner you will get your claim processed. Insist on a review of the case and a written explanation of the reasons for rejecting the claim. Roof insurance claim denied. Reread your claim denial letter.