Hail Damage Roof Claim Denied

How a hail damage roof insurance claim works.

Hail damage roof claim denied.

Hail can damage your roof without any visible signs from the ground. Be sure to include photographs of the damage a roofing contractor s estimate and records of the phone calls and correspondence you ve had with the insurance company. An adjuster hired by the insurance company comes out to inspect the damage. This is how they do it.

If your roof has damage because of a lack of maintenance chances are your insurance claim will be denied. Your policy is your contract with the insurance company. But it doesn t have to end with a denial. But when a hail storm or a wind storm smashes the home or the business these insurance companies find ways to make the damage a non covered occurrence so that they can deny payment of the claim.

Homeowners win in court cbs dallas fort worth a jury reached a 1 5 million verdict in favor of a texas couple who sued allstate for failing to disclose a cosmetic roof exclusion in their policy. The site adjuster marked 9 anomolies in two test squares and 6 in two others. Ask them to clarify with you what the damage is and if the roof has real functional damage that has even created punctures or tears that may create a leak. My lanai sustained lots of damage and my car had more than 30 smallish dents.

If you believe that the insurance company is wrong and the damage should be covered by your insurance policy you can appeal the denial. If your appeal is denied you can consult with an attorney to see if you have further recourse. If you have damaged siding vehicles or have noticed neighbors getting their roofs replaced more than likely you have hail damage as well. However shingles are usually taken off a roof by wind not hail.

Do not file a claim for roof damage unless you can see the damage. My insurance company denied my claim because there doesn t appear to be damage to the ridge line or to the gutters. Disputing an insurance denial if your roof damage insurance claim is denied and you do not agree with the decision contact the insurance company and schedule a re inspection. Another type of functional damage is when the roof systems like expectancy has diminished significantly because of the hail impacts.

If your roof has reached or surpassed its expected lifespan and is damaged your roof damage insurance claim may be denied due to the age of the roof. Collect all the information relevant to your claim including date s extent of the damage and all maintenance and preventive measures that you took. Some people wrongly assume that there was no damage if they do not see missing shingles. Failure to perform routine maintenance on a roof will show a claims adjuster that you had the power to prevent roof damage but did not take the steps to do so.