Roof damage can be a very serious problem that usually needs to be fixed immediately in order to prevent the risk of further property damage. In states that are known for severe storms and hurricanes, like Florida, it is important that homeowners carry insurance to cover roof and property damage in the event of a storm.
However, while most homeowners assume that damage to their roof will be covered by homeowner’s insurance, that’s not always the case. Insurance companies are notorious for low-balling and denying claims for roof damage. Since they are motivated to save money, they often look for loopholes or claim the roof was damaged by something that is excluded from your policy. Fortunately, even if your initial claim for roof damage was denied, there are other options available to you.
Reasons why claims are denied
Since roof damage can put homeowners in desperate situations, insurance companies are known for offering inadequate compensation for roof damage claims and sometimes denying them completely. They often do so by using experts who claim the damage is not covered under your policy or by offering to pay only part of the claim.
Listed below are some of the most common reasons Florida roof damage claims are denied:
- Not covered. Knowing what your policy does and does not cover is very important in the state of Florida. If you’re unsure, review your policy.
- Insufficient coverage. If your policy has a limit to how much it covers and your roof damage claim requires more than the limit, your claim will likely be denied.
- Maintenance issues. If you failed to make routine maintenance checks to your roof that could have prevented the damage, your claim might be denied.
- Waiting too long to file. Most insurance policies contain a statute of limitations that state how long you can file a claim after the damage has occurred. Understand your policy and don’t make the mistake of waiting too long to file your claim.
While having a roof damage claim denied can be frustrating and stressful, understand that there are options available if your claim is denied.
How to dispute your denied roof damage claim
If your roof damage claim was denied or your insurance company is offering inadequate compensation, do not accept this as the final result. Contact an experienced Florida homeowners’ insurance attorney to help you appeal the decision. A lawyer can help you reschedule inspections with the insurance adjuster and professional roof repair contractors to determine if anything was overlooked in the initial inspection.
Knowledgeable roof damage attorneys in Florida
At Johnson & Williams P.A., we know the importance of having a roof over your head and understand how frustrating it can be when an insurance company is unwilling to pay you the compensation you need and deserve. Our knowledgeable attorneys can help you negotiate a higher settlement in order to fix your roof as quickly and professionally as possible. For a consultation, call us today at (407) 245-1268 or contact us online.