If your insurance company denies your roof claim, you may feel disappointed and overwhelmed—especially if the damage to your home was severe and may require you to start from scratch with another company. But it’s important not to give up hope; there are plenty of things you can do to ensure that your home is restored as soon as possible, even if your insurance provider refuses to help.
Phase 1: Document your damage
If your insurance denied roof claim, the best thing you can do is document all of the damage. Keep in mind that many companies will require you to have a professional come and inspect the damages before they will approve a claim. If you’re not sure who to contact or how much it should cost, call your insurance company and ask them what they recommend. They may be able to give you the name of someone they trust locally or an estimate on how much it should cost. Remember that documentation is key when it comes time for your insurance company to review your claim. The insurance company needs to know exactly what happened if they are going to make a decision about whether or not they are going to cover your roof repair. In order to help with this process, you might want to take pictures and write down any other information that could potentially help with their decision. For example, you’ll want to include things like where the damage was located (exterior or interior), what type of building material it was made out of (tile, shingle, etc.), the height of the building (if there were any water leaks), and anything else that might be relevant. It’s also important to note where insurance denied roof claim took place. For example, was there wind or rain storm during these repairs? If so, this is another factor that would affect their decision and one they need documented as well. You’ll also want to keep copies of everything related to your home insurance claim so that way you have everything saved in one place–it’s easier than having piles of papers scattered around your house!
Phase 2: Document your communication with the insurer
I just received a call from my insurance denied roof claim, and I’m not sure what to do. Can you help?
-I would recommend reaching out to your insurer’s customer service and explaining the situation. They might be able to help you get your roof fixed for free, or at least give you some tips on how to do it yourself. -If they are unable to help you with this, I would recommend going back over your policy and looking for any clauses that might have been violated during the time of the storm that caused damage. This should take care of any costs associated with repairs. Keep in mind that if the damage was caused by something other than a natural disaster, such as vandalism, theft, or neglectful behavior by someone living in your house-including you-then there may be no coverage available.
Phase 3: Consider your legal options
If your insurance company denies your roof claim, you may have a few options. First, talk with the insurance company and try to negotiate a settlement. If that doesn’t work, you can file suit in small claims court or contact an attorney. It’s important to note that filing suit does not guarantee success and can be expensive. And if you win, it may take a long time for your insurance company to pay up. So again, always ask for help from experts first before taking this course of action. If you’re considering a lawsuit: there are some pros and cons to consider. One pro is that lawyers are skilled at helping their clients understand legal proceedings and presenting evidence in front of judges so that they get what they deserve–in this case, insurance money for their insurance denied roof claim. The main con is cost–lawyers typically charge anywhere from $100-$500 per hour. You’ll also need to consult with them early on in the process to see how much a lawyer will cost–you don’t want any surprises come bill-time!
Phase 4: Go through the claims process
The first thing you’ll want to do is call your insurance company. They will be able to walk you through the appeals process and give you a detailed explanation of the requirements that need to be met for the claim. The insurance company will also be able to provide you with a list of contractors they work with who can help fix your roof.
After talking with your insurance, start by comparing quotes from different contractors. Keep in mind that you may not find someone who offers the exact same services, so it’s important that you are upfront about what kind of repairs need done and which materials are necessary for this specific job.
Phase 5: File an appeal if necessary
If your insurance denied roof claim, you may be able to file an appeal. This is the company’s last chance before they take on the risk of paying for your roof damages. You’ll have a better chance of getting your roof fixed if you can show that there was no negligence on behalf of you or the contractor. Make sure you know what evidence you need before speaking with the insurance company representative and follow their instructions precisely. If you’re denied a claim by the insurance company after following these steps, get in touch with us! We offer free consultations and might be able to help guide you through this difficult time. Don’t wait until it’s too late to act-contact our office today so we can start putting together your case today. We want to make sure that your family has the best coverage available while still saving money. Our team members are ready and waiting to answer any questions you have about insurance companies and provide guidance on how to handle these situations.
Don’t let denial keep you from feeling safe at home. Talk with us about an insurance claim denial today!
