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Why Roof Claim Denials Happen (and What You Can Do About Them)

Roof Replacement

At Manning Roofing, we’ve seen it all – from hailstorms that shred shingles to surprise leaks that leave homeowners scrambling. But one thing that never gets easier is dealing with a denied roof replacement claim. It can feel like a punch to the gut, especially when your roof is falling apart.

Here’s the good news: a denial doesn’t have to be the final word. There are steps you can take to fight the decision and get the coverage you deserve.

Understanding the Reasons Behind the Insurance Claim Denial

First, before we plan, let’s unpack why your claim might have been rejected. Here are some common culprits:

  • Policy Exclusions: Not all roof damage is created equal. Your policy might exclude certain types of damage, such as wear and tear from age or neglect. Understanding your coverage is crucial.
  • Pre-existing Conditions: If your roof had existing problems before a storm or other event, the insurance company might argue those issues caused the current damage, not the covered event.
  • Improper Claim Filing: Sometimes, a simple mistake in filing your claim can lead to denial. Missing deadlines or not providing enough documentation can derail the process.
  • Adjuster’s Assessment: The insurance adjuster might disagree with the extent of the damage or its cause. This is where having strong evidence becomes crucial.

Steps to Fight the Denial

Now that you have a better understanding of why your claim might have been rejected, let’s get to work on getting it overturned. Here’s what you should do:

  • Review Your Policy: This might sound obvious, but it’s vital. Dig out your homeowner’s insurance policy and carefully read the section on roof damage coverage. Look for exclusions and understand what types of events are covered.
  • Gather Evidence: Documentation is your best friend. Collect photos of the damage, weather reports for any storms that might have caused the issue, and receipts for any recent roof maintenance you’ve performed.
  • Contact Your Insurance Company: Don’t be afraid to pick up the phone and have a conversation with your insurance agent. Explain why you believe the denial is wrong and politely request a review of your claim.
  • Request a Re-inspection: If the initial conversation doesn’t go your way, request a re-inspection of your roof. This time, consider being present when the adjuster comes out.

Tips for Building a Strong Case From a Roofer

Here are some extra tips from my experience that can strengthen your case:

  • Don’t Be Afraid to Negotiate: Sometimes, there’s room for compromise. The insurance company might offer a partial payout. Consider your options and weigh the cost of repairs against the settlement amount.

  • File a Formal Appeal: If you’re still unhappy after the re-inspection, you can file a formal appeal. Each company has its own process for appeals, so be sure to get clear instructions from your agent.

When to Consider Additional Help

There are situations where seeking additional help might be beneficial:

  • Public Adjuster: A public adjuster is a professional who specializes in advocating for homeowners with insurance claims. They can help you gather evidence, negotiate with the insurance company, and file an appeal.
  • Lawyer: In cases where the damage is significant and the insurance company is not recognizing the current damages, consulting with a lawyer might be necessary. They can advise you on your legal options and represent you if you decide to take legal action.

Remember: Don’t give up easily. A denied roof replacement claim can be stressful, but with knowledge, persistence, and the right evidence, you can increase your chances of getting the coverage you deserve.

Find the Help You Need to Fight Your Claim

While dealing with a denied roof claim isn’t ideal, remember, you’re not alone. There are resources available to help you navigate the process and fight for what’s rightfully yours. Most importantly, don’t let a leaky roof cause further problems down the road. If your roof is damaged, getting repairs done promptly is crucial to protect your home and your possessions.