Having your roof claim denied is disappointing. But before you appeal your insurance company’s decision, it’s important to understand why your claim was denied. Here are some of the most common reasons why insurers deny some roof storm damage claims.
Roofing manufacturers ensure that their roofing materials provide excellent protection against the elements for several years. However, these roofing materials will suffer from wear and tear over time. And if your roof was already past its prime when it was damaged by a storm, your insurance company may reject your storm damage claim. This is especially the case if your insurer finds no records of regular roof maintenance.
Insurance policies only cover the most recent damage. If your roof was previously damaged and you failed to fix that, your insurance company would assume that this negligence resulted in the most recent damage to your roof. That said, make sure to carry out repairs as soon as you detect issues with your roofing system. Furthermore, every roof work must be properly documented so you’ll have proof in case your insurance company asks for it during your storm damage claim.
Nevertheless, if you believe the adjuster did not inspect your roof thoroughly, you can gather evidence and work with an insurance claims attorney to help you get the benefits you deserve.
Insurance companies interpret partial storm damage differently. This can be frustrating, but because of the arbitrary definition of partial damage, you can have your insurer’s initial decision overturned. Gather enough evidence and contact an insurance claims attorney so that you can navigate the process more easily.
Defective roofing isn’t part of any homeowners insurance coverage. The roofing manufacturer is responsible for product defects. So if the storm damage occurred because of a roofing defect, you should instead make a warranty claim.
Make sure to work with experienced and qualified roofers for your storm damage repair needs. At Polk Contracting, Inc., we can guide you through the insurance claims process and offer quality roofing solutions. Call us at (410) 994-2801 or fill out this contact form for a free consultation.