Filing a roof damage claim might cause stress and frustration if the insurance company denies your claim. There are several reasons leading to such an outcome.
For example, the insurance company won’t approve your claim if your roof has not been adequately maintained or you provide inaccurate information about the claim.
Although it might appear like a dead-end, understanding the actions you can implement to appeal the decision is crucial.
What to Do if Insurance Denied Roof Claim?
If your roof insurance claim has been denied, quickly acting is critical. There are 5 steps you can take to handle the situation.
● Review Your Insurance Policy
The initial measure involves meticulously examining your insurance policy to comprehend the reason behind the rejection of your claim. Scrutinize for any limitations or provisions that could have resulted in the dismissal of your claim.
If you’re uncertain about any policy section, don’t hesitate to contact your insurance agent or company for clarification.
● Record the Damage
Capture images of the destruction on your roof and the surrounding area. If viable, collect any receipts, invoices, or other records that relate to repairs or maintenance that could strengthen your claim.
● Get a Second Opinion
Consider obtaining another viewpoint from a licensed and respected roofing contractor. They can deliver an unbiased evaluation of your roof damage and assist in ascertaining whether it is included under your policy.
● File an Appeal
Suppose you believe your claim was wrongly rejected; in that case, you can appeal to your insurance company.
Contact your insurance provider to inquire about their appeals procedure and furnish any supplementary data or documentation that might support your claim.
● Seek Legal Help
If your appeal is dismissed, or you suspect your insurance company is operating in bad faith, you might have to request legal assistance.
An attorney concentrating on insurance claims can offer counsel on the ideal approach and assist you in maneuvering through the legal procedures.
How to Get Your Roof Claim Approved?
Securing approval for a roof claim can be a challenging experience, but there are measures you can take to boost the odds of a successful outcome.
● Report the Damage Promptly
When you notice damage to your roof, report it to your insurance company immediately. Delaying the reporting of damage can lead to a denial of your claim.
● Document the Damage
Take clear pictures of the damage to your roof and other affected areas. Keeping any receipts or invoices for repairs or maintenance is also a good idea to avoid a roof claim being denied.
● Understand the Insurance Policy
Take the time to review your insurance policy and understand what types of damage are covered. Some policies may have exclusions for certain types of damage, such as wind or hail.
● Use a Reputable Roofing Contractor
Suppose your roof sustains damages; engaging a licensed and dependable roofing contractor is crucial to evaluate the damage and estimate repair costs. Your insurance provider may mandate a contractor’s assessment before approving your claim.
Read also: Installing Metal Roofing for Mobile Home: Benefits and Estimated Costs
● Be Persistent
If your claim receives a rejection, don’t give up. Request an explanation for the dismissal and present any supplementary information or documentation that might validate your claim. You can also consider filing an appeal or soliciting legal assistance.
● Work with Your Insurance Adjuster
Your insurance assessor will be accountable for evaluating the damage to your roof and ascertaining whether your claim is sanctioned. Be obliging and provide any information or documentation they ask for promptly.
● Keep Detailed Records
Maintain records of all communication with your insurance company and any contractors or professionals involved in the mending process. This can come in handy if any conflicts or difficulties surface.
Now, you know what to do if insurance denied roof claim. The process might be overwhelming, but you still have the option to understand the reason for rejection and the steps to gain your insurance company’s approval.
