What to do if Insurance Denied Roof Claim?
Experiencing roof damage can be a stressful event for any property owner, and the process of filing a claim with an insurance company can often add to that stress.
Unfortunately, many individuals find themselves in the position of having their roof claim denied by their insurance company, leaving them with no options but to take on the full cost of the repair or replacement themselves.
In this article, we'll explore what you can do if your insurance company has denied your roof claim.
Table of Content
1-. Understanding the Roof Claim Process.
2-. Reasons Why Roof Claims Are Denied.
3-. What to do if Your Claim is denied?
4-. How much roof damage do I need to file an insurance claim?
5-. How do I file a claim for roof damage?
6-. What should I do if my claim is denied?
7-. How long does the roof claim process take?
8-. What is a public adjuster?
Understanding the Roof Claim Process
Before we dive into what to do if your claim has been denied, it's important to understand the typical process for filing a roof claim.
When you notice roof damage, the first step is to contact your insurance company and inform them of the situation. Your insurance company will then assign an adjuster to evaluate the damage and determine the amount of compensation you're entitled to based on your policy.
If your claim is approved, you'll receive a check to cover the cost of the repair or replacement. However, if your claim is denied, you'll need to take additional steps.
Reasons Why Roof Claims Are Denied
There are several reasons why an insurance company may deny a roof claim. Some common reasons include:
The damage is not covered by the policy
It's important to carefully review your insurance policy to determine what type of damage is covered. Some policies may exclude certain types of damage, such as hail damage or wind damage.
The damage is not severe enough
Insurance companies may only approve claims if the damage is severe enough to meet their criteria. If the damage is minor, the insurance company may deny the claim.
The policy has lapsed
If you haven't kept up with your insurance payments, your policy may have lapsed, and your claim will be denied.
The damage is a result of wear and tear
Insurance companies typically only cover damage caused by sudden events, such as storms or accidents. If the damage is a result of wear and tear, your claim may be denied.
What to Do if Your Claim is Denied
If your insurance company has denied your roof claim, there are several steps you can take:
Review your policy
Carefully review your insurance policy to ensure that the damage should have been covered. If you believe that the damage should have been covered, contact your insurance company to dispute the denial.
Get a second opinion
If you disagree with the adjuster's evaluation of the damage, consider getting a second opinion from an independent contractor or public adjuster. A public adjuster can provide a detailed estimate of the damage and negotiate with your insurance company on your behalf.
Contact a Certified Private Public Adjuster
If your claim has been denied, it's a good idea to contact a public adjuster. Public adjusters are licensed professionals who work on behalf of policyholders to help them get the maximum settlement for their claim. PICC Public Adjusters are experts in handling roof claims, and they can provide valuable assistance in the claims process.
File an appeal
If your claim has been denied, you have the right to appeal the decision. Contact your insurance company to find out the appeals process and what information you need to provide.
Frequently Asked Questions
Q: How much roof damage do I need to file an insurance claim?
A: This varies depending on your policy. Check your policy for specific information on the amount of damage required to file a claim.
Q: How do I file a claim for roof damage?
A: Contact your insurance company and inform them of the damage. They'll assign an adjuster to evaluate the damage and determine the amount of compensation you're entitled to.
Q: What should I do if my claim is denied?
A: Review your policy, get a second opinion, contact a public adjuster, and consider filing an appeal.
Q: How long does the roof claim process take?
A: The timeline for the roof claim process varies depending on the insurance company and the severity of the damage. It's important to keep in mind that the process can take several weeks or even months.
Q: What is a public adjuster?
A: A public adjuster is a licensed professional who works on behalf of policyholders to help them get the maximum settlement for their claim. They provide a detailed estimate of the damage and negotiate with the insurance company on behalf of the policyholder.
Conclusion
Having a roof claim denied by your insurance company can be frustrating and overwhelming. However, it's important to remember that there are steps you can take to dispute the denial and get the compensation you're entitled to.
By reviewing your policy, getting a second opinion, contacting a public adjuster, and filing an appeal, you can increase your chances of getting a successful resolution to your roof claim.
If you're in need of assistance with a denied roof claim, contact PICC Public Adjusters today to get the help you need or Call us at (305) 956-3666