Filing a claim is an integral step to take when your roof suffers damage due to a severe storm. Ideally, you’ll want to get it approved by your insurer for the repairs to be covered by them. Unfortunately, there are instances where the outcome might not go your way. You may either get denied outright or still get approved but the payout isn’t enough to cover the damage. Easton Roofing, one of the top roofing contractors in the area, explains this matter further.
The following are some of the potential reasons why a roof insurance claim may be denied:
General wear and tear. Your insurer may find that the roof damage was a result of general wear and tear. Insurance policies don’t cover it since weathering is a natural occurrence in residential roofing systems.
Failure to maintain the roof. For insurance companies, it is the homeowner’s responsibility to keep their roof in great shape. A claim may be denied if it has been found that the extensive storm damage was due to the structure’s worsening condition brought about by negligence.
Missed deadline. A claim may also be denied simply because you missed out on filing it within a reasonable period. Notifying your insurance company about the roof damage and your intention to file a claim promptly should help you avoid this from happening.
Whether you have been denied of your claim outright or have been approved but received inadequate compensation out of it, you can always have it appealed and get it overturned. This must be done in writing and in a timely manner, of course, but to save yourself the trouble of having to navigate through this process, you’ll want to make sure that you produce a solid claim. This way, you can have a better chance of getting it approved. Keep the following in mind when filing a roofing claim:
Include all the necessary documentation. Take photos and video of the roof damage. Present additional proof if your insurer requests you to do so.
Work with a team of roofers. Roofing contractors can act as your representative when you meet with your claims adjuster. In case the adjuster missed out on something that must be covered by insurance, the roofer can easily point it out. They have the knowledge and expertise to ensure your claim gets approved through vital information about the storm damage.
When you work with Easton Roofing for your storm damage repair, you’ll enjoy peace of mind that someone you trust is on your side. During this stressful time, you can rest assured that our team will never prescribe unnecessary repairs or spring surprise charges on you. More importantly, you can count on us to guide you through every step of the claims process, making sure that you have a fighting chance to get your own claim approved.
Find out why we are the top list when you search “roofers near me” on Google. Call Easton Roofing today at (913) 257-5426, or fill out our online form. We serve clients in Kansas City, MO, and the surrounding areas.
Humidity can do more than make you sweat—it can cause real damage to your roof.…
Your roof, like the rest of your home's exterior components, don't last forever. Thus, it's…
Deciding to replace your roof is a significant investment for any homeowner. It's not only…
Understanding what constitutes normal wear and tear on a roof is crucial for homeowners to…
When it comes to maintaining the integrity and lifespan of your roof, understanding the difference…
When it comes to maintaining the integrity and longevity of your home's roof, understanding the…