Having to replace a roof after it’s incurred damage can be a financial disaster. That’s why homeowner’s buy insurance for their homes in the event they need help preventing future financial hardship. Unfortunately for some, insurance claims don’t actually help at all. If your roofing claim is denied, all the expenses required to keep your roof safe fall onto your lap. The one thing that can be your saving grace is disputing the claim using more evidence than before. This typically means you’ll need to speak with a professional and licensed roofing contractor like those at Crest Exteriors Insurance Claim Process for Roof Damage When it comes to roof damage, the insurance claim process isn’t always that easy. There are different people involved and the case gets handed around and looked at by multiple entities that work for the insurance companies. They’re not usually in your favor. But a great equalizer is having a professional licenced roofing company on your side. It’s vital that you do two things before filing an insurance claim. Look over your homeowner’s insurance policy and then call a local licensed roofing contractor. A reputable roof inspector like the ones here at Crest will do a thorough inspection and gather any evidence of damage they find. They’ll also provide an accurate estimate of repair, labor, and material costs. Here’s the important part; you looked at your homeowner’s insurance policy which means you know the cost of your deductible. If the estimate given to you by the inspector is less than your deductible, the best course of action would be not to file an insurance claim. This prevents your premiums from going up. If the damage is beyond repair and has to be replaced, filing a claim is crucial to the affordability of the new roof. Your insurance company will send over an insurance adjuster to do the same thing and they’ll send you a summary when they’ve determined the level of damage. The good thing about calling a roofing contractor first is that they’ll give you an estimate that you can determine is worth paying out of pocket. This also allows you more customization options since you’re the one paying for any upgrades. The insurance adjuster will make an estimate and damage assessment for the bare minimum required to make your home relatively safe. At Crest Exteriors, we work with you to give the insurance company the right evidence that gets you the best roof with premium products to make sure you’re home is safe for years to come. Remember: After your claim is accepted and you receive your first summary and check in the mail, you will have a set amount of time to make the necessary roof repairs. This is another reason why it’s great to have a roofing contractor on board before you file a claim. You’ll know exactly who to go to when it’s time to make repairs. An inspection is a great way to check out the legitimacy of a company before hiring them for the job. Why was your claim denied? Unfortunately, insurance companies don’t always accept the claims that come in, regardless of the legitimacy of the damage. If the insurance adjuster comes back and doesn’t believe that the damage is a threat to the structural integrity of the roof, they may not think that it’s worth paying for or even necessary. What they don’t realize is that even the smallest amount of damage can lead to your roof no longer being able to protect you against the next storm. Another reason why your claim is denied is because the cost to cover the damage is less than or slightly over your deductible. Say you’re deductible is $1,000 and the cost of the repairs is $1,050. The insurance company won’t send you a check for $50 to cover the overage. Same with if the cost was less than your deductible. They wouldn’t cover it and leave you with nothing to pay. It’s illegal in most states to not pay your deductible or to have your deductible paid by someone else. Your claim may have also been declined due to exclusions in your insurance policy. Depending on your insurance or state, certain types of damage aren’t included in your policy, or their coverage is very limited. This can include wildfires and earthquakes while Flood insurance is normally separate from your typical homeowner’s insurance. Insurance also doesn’t cover normal wear and tear from damage that occurs over time, such as when your roof has surpassed it’s expected lifespan. Even if you receive damage, they may blame it on the roof’s age. Disputing a Denied Claim The first thing to do if your roof claim has been denied is to inform your insurance company that you don’t agree with the decision and schedule a re-inspection. Make sure you have a reputable roofing company by your side when the insurance company sends their adjuster over for the re-inspection. Crest Exteriors will be happy to come out and represent you during this time. Damages that had been overlooked the first time may appear with two sets of eyes making sure that everything gets documented. In order to dispute a claim, you have to file an appeal with your insurance company. Make sure to ask for a resolution date when you submit the appeal. The rebuttal process may take a long time and getting an estimate on when it’ll be fully processed, and will provide you with a chance to follow up if that deadline has passed. If the appeal is denied, you can take things a step further and ask for the company’s higher ups or file a complaint. If the damage is extensive enough that you don’t feel safe in your home and you believe the insurance company isn’t doing their job, you can call an insurance lawyer and see how they can help.
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