How to claim roofing insurance for storm damage?December 10, 2023
Will home insurance cover a leaking roof?December 11, 2023
As a homeowner, you depend on your roof to keep you and your family safe and dry. However, filing an insurance claim can be daunting and frustrating when unexpected damage occurs.
Unfortunately, there are several reasons why your insurance claim may be denied.
In this blog post, I will discuss the main reasons for denying roof insurance claims and provide solutions to help you avoid these pitfalls.
Reasons for roof insurance claim denied
As mentioned earlier, there are several reasons for denying insurance claims. Some of them could be honest mistakes, and some of the reasons could be intentional and are caught during inspection.
As a roofing contractor, I have listed the most common reasons for denying insurance claims over the decades.
Wear and Tear
One of the most common reasons for denying a roof insurance claim is wear and tear. Insurance companies consider roofs a long-term investment and expect them to last many years.
Your insurance company may deny your claim if your roof is old and worn. Just like a life insurance company will not accept a 95-year-old man with many diseases.
Regularly inspect & maintain your roof by a professional and fix issues to resolve this problem.
Lack of Maintenance
Another reason for denying a roof insurance claim is a lack of maintenance.
If the insurance company identifies that you did not maintain your roof, which caused the damage, they may deny your claim.
To prevent this, it’s important to maintain your roof regularly by cleaning gutters, removing debris, and inspecting for damage.
Your insurance company may deny your claim if your roof had pre-existing conditions before the damage occurred.
This could include issues such as previous damage, poor installation, or materials that are no longer up to date.
To avoid this, inspect your roof before filing a claim to address pre-existing conditions.
Your insurance policy may have material exclusions that prevent coverage for certain types of damage.
For example, if your policy excludes damage caused by fire, wind, or hail, you may not be covered if that caused the damage to your roof.
To avoid this, review your policy carefully and understand any exclusions.
If your roof was not installed properly, your insurance company may deny your claim.
This could include improper flashing, incorrect shingle installation, or poor ventilation.
Always hire a reputable roofing contractor with the proper installation skillset and tools to avoid this.
Unapproved Renovations or Modifications
If you made modifications or renovations to your roof without your insurance company’s approval, they may deny your claim.
This could include adding solar panels, installing a satellite dish, or making other changes that could impact the integrity of your roof.
To avoid this, check with your insurance company before modifying your roof.
If you wait too long to report damage to your roof, your insurance company may deny your claim.
To avoid this, report any damage immediately after it occurs. This will process your claim quickly.
Similar to material exclusions, your policy may have other exclusions that prevent coverage for certain types of damage, such as damage caused by floods or earthquakes.
To avoid this, review your policy carefully and understand any exclusions before filing a claim.
Failed to Meet Policy Requirements
Your insurance company may deny your claim if you fail to meet your policy’s requirements, such as regular maintenance or inspections.
To avoid this, meet all of your policy’s requirements and keep records of any maintenance or inspections you perform.
Incorrect Coverage Type
If you have the wrong type of coverage for your roof, your insurance company may deny your claim. For example, you may not be covered if you have basic coverage but need additional wind or hail damage coverage.
To avoid this, review your policy and make any necessary changes to ensure you have the right coverage for your roof.
Misrepresentation or Fraud
Finally, your insurance company will deny your claim if you misrepresent the facts or commit fraud when filing a claim. To avoid this, be honest and accurate in your reporting. Don’t exaggerate the damage or claim damage that didn’t occur.
These types of activities generally do not happen by the homeowners. Certain contractors may exploit your honesty or lack of knowledge in this field.
So when you reach out to a roofing contractor and assign them to handle the insurance claim, ensure they are reputable and have had no bad experiences. Also, check their past clients’ feedback on Trustpilot and Google Maps. Also, please do not depend only on the reviews because they can be manipulated somehow. Use your intuition as well.
How do you get your roofing insurance approved?
To get your roof insurance claim approved, taking the necessary steps to avoid the reasons for denial listed above is important. Here are some additional tips to help ensure that your claim is approved:
- Document the damage: Take photos and videos of the damage to your roof. This evidence can support your claim and make it easier for the insurance company to approve it.
- Work with a reputable roofing contractor: A reputable contractor can help assess the damage and provide a detailed repair estimate. This can help provide the insurance company with the necessary information to approve your claim.
- Review your policy: Make sure you understand your policy and any exclusions or requirements. This can help you avoid making mistakes that could lead to a denied claim.
- Report the damage promptly: Don’t wait to report damage to your roof. The sooner you report it, the sooner your claim can be processed and approved.
- Provide accurate information: Be honest and precise when reporting the damage to your roof. This can help prevent misrepresentations or fraud leading to a denied claim.
By following these tips and taking the necessary steps to avoid the reasons for denial, you can increase your chances of getting your roof insurance claim approved. As a homeowner, you depend on your roof to keep you and your family safe and dry. However, filing an insurance claim can be daunting and frustrating when unexpected damage occurs. Unfortunately, there are several reasons why your insurance claim may be denied. In this blog post, we’ll discuss 11 main reasons for denying roof insurance claims and provide solutions to help you avoid these pitfalls.
In conclusion, there are many reasons why your roof insurance claim may be denied. By understanding these reasons and taking steps to avoid them, you can increase your chances of having your claim approved. Remember to perform regular maintenance, understand your policy, and work with a reputable roofing contractor to ensure your roof is in top condition.