Reasons Your Roof Claim May Be Denied
Not every insurance claim goes through. Your insurer may fail to compensate you for reasons like:
Age of Your Roof
If the damage to your roof results from neglect or wear and tear, most insurers won’t renew your policy. They term it as your general maintenance responsibility. Also, your insurer may not cover old roofs, especially those over 20 years old. They usually have limited coverage, if any. In this regard, insurers first inspect your house before it renews a policy.
In short, your insurance company won’t give you a better roof than what you have. If you had a wood shakes roof, you would not get a clay, concrete, or slate roof. Your insurer will cover your roof only if the act of nature or sudden accident caused it. All the same, a reputable insurer should explain all their policy terms before you sign for a cover.
The Location of Your House
The location of your house has a significant impact on your policy terms. It is an insurance cost determinant, and whether you can insure it at all.
For example, if you live in an area prone to disasters, an insurance company may avoid renewing your policy. It includes areas with tropical storms, hurricanes, and wildfires.
In turn, your insurer may reflect by charging more for its premium.
Other reasons your claim may fail include:
- If you pay several claims for the same roof
- In case you do not disclose the existing damage before signing the dotted line
- If you have acted fraudulent, that is, giving the wrong value of your roof
Generally, the location you dwell in may affect the terms of policy. It will also determine whether an insurer will renew your policy or not. So, it will be better to understand what a given policy covers.
Understand Your Roof Policy Terms
When you sign up for an insurance cover, that’s what you’ll get during your claim. Insurance agencies offer two roof insurance types which are:
- Repair insurance – the cover partly covers a particular percentage of damage caused to your roof
- Replacement coverage – this type covers the total replacement of your roof. That is, in case the damage caused is unfixable, they pay for a roof replacement.
Of these two, replacement coverage is the most comprehensive. It will cover the cost of a completely new roof. Thus, it is quite expensive. More so, it involves more paperwork than the repair cover. Thus the reason it is hard to get it accepted. Have you been paying for repair or replacement cover?
Before you file a roof insurance claim, you should first revisit its terms. If you have a bothering issue with your coverage, consult your insurance agent.
Document the Roofing Claim and Call Your Insurer
When you want to claim insurance for your roof, ensure all your documentation and paperwork are in order. Here are some of the things you need to do.
Collect all the Possible Evidence
Here, you need to collect a lot of data. You will have to take lots of photos, both in the exterior and in the interior of your roof. Your goal here is to cover every scene to make your claims smooth and straightforward.
Dates are also crucial as most insurers need that you submit your claim within a given timeframe. Most agencies will ask you to file claims within 15 days from the day the event occurred. In other words, it is safer to know your insurance agencies’ protocols. When you know what to do, you avoid claim denial.
Write an Explanation of Needed Repairs
If possible, get your explanation from a professional like your roofing contractor. It helps confirm your roof insurance claim.
Call your insurer
Your insurer will at this point appoint a claim adjuster to come and inspect your roof damage. After inputting data, the adjuster will come up with your roof value. This will determine what your policy will cover. Your roofing contractor will go with the adjuster as your eye.
Hire a Reputable Roofing Company – Get a New Roof
Once you file all the necessary documents and are through, you can now have your roof replaced. For roof repair or replacement, you should hire a reputable contractor well known for roof repairs, Installation, and Replacement. You should also hire one who has worked with roofing insurance before and has a good track record. A professional roof company will not just give you a good experience but will save you the hassle that comes with such a project. Contact us at Tornado Roofing for the best service.
How to Claim a New Roof from Insurance: FAQs
How do insurance claims work for roofs?
The older the roof gets, the higher its value depreciates. Thus, your insurer will cover the actual value of your roof when wear and tear occurs. You should, though, confirm with your insurance company.
Should I call an insurance company or roofer first?
First, call your roofing contractor to first assess your roof’s damages. Your contractor will help you follow up on the work of the insurance adjuster.
What do roof adjusters look for on roofs?
Roof adjusters look for:
- The age of your roof
- Whether all appliances are well installed damaged or have missing shingles
- Whether your contractor installed your roof well
From his data, the insurance company will know what it should cover.
Still Don’t Know How to Go About Roof Insurance?
The journey to get a new roof from an insurance company is hectic, but in your case, it shouldn’t. All you need is the understanding of the policy you signed, documenting every detail required, and approaching your insurer with facts and within time. In this guide, you learned how roof insurance works, including roof issues and their causes, and how insurance helps, the differences between repair coverage and replacement coverage, how to handle roofing insurance paperwork. Feel free to reach out to us at Tornado Roofing to make everything clearer.