Roof Claim Denied

Disputing an insurance denial.

Roof claim denied.

It is possible that an insurance claim for roof damage will be denied because of the age of the roof. As we mentioned earlier some insurers or manufacturers may choose not to provide full service coverage for roofs damaged beyond 30 years. Learn what to do. 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 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. If the insurer s adjuster found during the inspection your roof shingles were too old your claim can be denied. Christopher cornetta an attorney with cornetta babine llc uses the example of a leaking water heater. What are the options if an insurance adjuster denies my roof damage claim.

It shows the claims adjuster that you could have prevented the damage but did not make the effort to do so. If your roof insurance claim is rejected it is most likely because of one of the following reasons. And even when an insurance company does pay a claim they very often under pay the claim. 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. One of the reasons for the low benefits is the average. Failing to perform routine maintenance on the roof is one of the most common mistakes homeowners make. However in case you are roof insurance claim denied your insurer or manufacturer likely honors the insurance policy within a set number of years.

An insurer may conclude that you were negligent in allowing the problem to linger and in attempting to fix it on your own. However if your insurance claim is denied don t take no for an answer without further investigating. 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. 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.