A storm can severely damage your roof over a single night. Strong winds and heavy rain can pummel the material, causing asphalt shingles to crack, split or get dislodged. In such a situation, it’s nice to have a homeowners insurance policy to cover your roof repair expenses. However, in some cases, roof claims can get denied.
Continue reading to learn more about the most common reasons why some roof claims do not get approved.
Why Was Your Storm Damage Claim Denied?
There are various reasons why roof claims are rejected. It helps to know some of them so that you’ll know what to expect and how you can prepare your claim.
Typically, storm damage claims are denied because of the following reasons:
- Damage from wear and tear was exacerbated by the storm
- Previously unaddressed damage was exacerbated by the storm
- Manufacturer defect
- A qualified claim that’s not submitted within the prescribed filing period
- Disqualification based on the adjuster’s assessment of the damage
What Can You Do if Your Claim Is Denied or Underpaid?
If you think your claim was wrongly denied or underpaid, here are some of the things you can do to contest your insurance company’s decision:
- Hire a Legal Representative
The services of an insurance attorney cost less than those of a public claims adjuster. With their expertise and legal experience, your legal counsel can review your insurance policy and denial letter, and help you win an unfair claim denial.
- Collect Evidence
It’s easy for your insurance adjuster to claim you’ve neglected your roof. But if you have receipts of roof maintenance services you’ve enlisted in the past, these should help you build your case that your roof was well-kept.
Willi Roofing Services guarantees a positive experience for all our clients. Whether you need help with roof replacement or storm damage repairs, we’ll make sure to get the job done right. Call us at (512) 394-8234, or fill out this contact form to request a quote.