Why Your Insurance Company May Deny Your Roof Claim
The last thing you want to hear when your roof has been damaged by hail and rain from Mother Nature is that your insurance company denied your claim. This happens all the time, and it’s usually due to one or more of these three reasons. If you want to get your insurance company to pay for your roof replacement, avoid falling into any of these three common traps.
Top 5 Reasons
The insurance company denied roof claim because they don’t see the damage as being covered under your policy. They may also deny your claim if they believe that you caused the damage yourself. Additionally, insurance companies are usually required to follow a set of guidelines in order to determine whether or not they will approve a roofing claim. One such guideline is the industry standard, which states that damages should be more than 50% of the market value for them to consider it for payment. Finally, some insurers will require you to pay a deductible before they provide coverage, and if your deductible is large enough and you can’t afford it then this could be another reason why your insurance company has denied your roofing claim. While the reasons vary depending on what insurance company denies your roof claim, there are certain measures you can take when submitting a claim to protect against any potential problems that might arise. One such measure is to talk with an attorney who specializes in insurance law and litigation so they can help guide you through the process.
The damage was caused by a natural disaster
If your insurance company denied roof claim and you think it’s because of a natural disaster, there are some things to think about. First, consider the contract terms. If they deny the claim under acts of God or something similar, then it may be a sign that they’re denying the claim because they don’t feel like paying for it. They may also feel as though you were at fault for not taking better care of the property, which is why they are denying the claim. Lastly, insurance companies might decide to deny a roof claim if it has been excessively damaged by two different types of disasters (like snow and hail). Insurance companies typically will not cover a roof if it has been ruined by two different weather-related catastrophes. There are exceptions, however, when it comes to this rule. For example, an All Risk policy can include coverage for a roof that was vandalized with graffiti on top of a natural disaster like hail damage or fire damage. It all depends on what you have in your contract with the insurance company.
The cause of your home’s damages is hard to prove
When a natural disaster like Hurricane Harvey strikes, the aftermath can be devastating. And while insurance companies are supposed to provide coverage to help with these types of situations, there’s a chance they won’t pay out all of your claim because it’s hard to prove what caused the damages.
For example, if your roof was damaged during the storm and you don’t have any other damage in your home, then it can be difficult for an insurance company to verify that the claim is valid without inspecting your home first. They may deny your claim or require you to pay out of pocket for repairs in order to receive coverage. In some cases, this could mean thousands of dollars in unexpected costs on top of those incurred by the hurricane itself.
There wasn’t enough insurance on the roof when it was replaced before
The roof replacement was paid for with your own money, and you didn’t have enough insurance to cover the entire cost. If you had more insurance company denied roof claim of when it was replaced, your home insurance company would have shared the cost of repairing the roof. The risk that the insured property is not insured: There were other types of insurance policies in place, such as theft or fire coverage.
Uninsured goods being transported from one property to another: If you were moving goods from one property owned by an insured person (you) to another and some of them were lost in transit without any kind of coverage then your home insurance company might refuse to pay up because it is not liable for damages caused by something that wasn’t its responsibility.
Your policy doesn’t cover new materials due to normal wear and tear
Insurance companies are known for denying claims when it comes to roofs. This is because most insurance policies only cover damage that can be attributed to a specific event. So, if your roof has been damaged and you want to replace it with new materials, your insurance company may not cover the claim. Plus, many insurance providers will not pay for the installation of a new roof because you are technically replacing worn out materials with newer ones that won’t need to be replaced as quickly as before. That being said, some insurance providers may offer to help foot the bill in this situation. You would need to ask them about this specifically.
Damages were pre-existing
The company may have a clause in the contract that says that if damages were pre-existing then the company does not have to pay for them. This is why you might be denied for a roof claim. There are many other reasons that your insurance company may deny your roof claim. Here are some of the most common *Wrong type of damage: If the damage was from something else besides weather, such as fire or wind, then it would not be covered by an insurance company denied roof claim.
*Too old: An old home with rotting wood and creaking beams cannot be fixed with new shingles and plywood. It needs to be rebuilt, which means that a rebuild cost estimate is needed before any work can happen on an old home.
*Lack of maintenance: Sometimes owners fail to maintain their roofs and gutters and wind blows away leaves or snow slides off into gutters clogging them up so they can’t catch anything coming off the roof. That’s how one area got over two feet of water because there wasn’t anything catching it!