Roof damages or replacements are among the most common claims filed in homeowners’ insurance policies. These structures are exposed to heavy winds, fire, rain, and ice which can either damage or destroy them. After a storm, many homeowners jump to file a claim for repairs or a replacement.
A roof repair may not need to be covered by the insurance claim which could raise insurance costs. If the damage is not as much as the deductible, it is better to handle the repairs without the insurer’s help. The best way to make sure of the cost of the repair is to hire a roofing contractor to inspect it and provide an estimate.
If the repairs or replacement recommended cost more than the deductible, it makes sense to file a claim with the insurance company. Along with the estimate, file proof of maintenance done to the roof because the company will want to see how old it is, how well it was maintained before the damage and other details important to their decision to approve a claim.
Filing a claim properly is the first step to resolving the issue. However, many homeowners are shocked to find that the claim is denied. This may leave them befuddled and confused. How are they supposed to live without a roof that is in good condition? Why were they paying for insurance in the first place?
Insurance companies have their reasons for denying repair claims. Even worse, they have reasons for denying the cost to replace an entire roof. This is where many homeowners may give up and resort to paying out-of-pocket costs for the repair or replacement themselves.
No homeowner should have to go through this. This is where attorneys who specialize in roof replacement can help. Instead of giving up on the claim, a homeowner can get the help they need from an expert. The case may settle out of court but the homeowner will end up with a newly replaced roof paid for by the insurer.
If you have been faced with a damaged roof and received a denial for your claim regarding it, contact a good lawyer. Make sure the lawyer has a specialty in handling roof repair cases with insurers. They should only represent homeowners and not both homeowners and insurance companies.
Insurance companies may try to skirt the expense of paying for an entire replacement. But, no homeowner should be paying for insurance, experience roof damage and not get a claim paid. If you have filed a claim and had it denied, approach an attorney. You may have a valid case which is worth fighting for.
Your attorney will be with you from the start of the case to the end. If, after, facing the lawsuit your insurer cannot honor your claim it may be due to a valid reason. Many times, however, it is necessary for an insurance company to pay the claim to the homeowner. Reach out to a specialized attorney and work with them to get your roof replacement case settled.