During a storm in Orlando, strong winds can damage your roof, leaving your home and possessions vulnerable to even more serious damage from wind and water. Getting your roof repaired as soon as possible is, therefore, extremely important.
Unfortunately, however, when you try to get your roof fixed, you may be unpleasantly surprised and very disappointed to find out that your insurance company will not cover the cost of repairing or replacing your roof. Insurance companies want to make a profit, so their denying or undervaluing a roof damage claim and leaving homeowners in crisis is all too common.
The experienced insurance claim attorneys at Malik Law have helped many Florida homeowners in this situation. We know the tactics insurance companies use to underpay or completely deny valid roof damage claims and can help you understand your rights under Florida law. No matter what stage of the insurance claim process you are in, we can help you deal with your insurance company and get the settlement you need.
How Do Florida Insurance Companies Deny Roof Damage Claims?
Most Florida homeowners insurance policies include exclusions for and/or limits on roof damage so insurance companies can deny or underpay roof damage claims. Depending on your policy and the age of your roof, for example, your insurance company might offer to pay for repair but not replacement. If the roof obviously needs to be replaced, they might offer actual cash value rather than replacement value, given the depreciation of your roof.
A common reason insurance carriers give for denying roof damage claims is that the roof was damaged before the event noted in your claim occurred. They may say that your roof was damaged by normal wear and tear, not by a covered event. In addition, they may try to blame other factors for the damage, such as:
- Substandard materials in your roof
- Faulty installation of your roof
- Low-quality roof repairs
- Negligent roof maintenance
Insurance companies have also denied roof damage claims because they believe the damage is not significant. They might, for example, say that the damage is only cosmetic, not structural, or they may claim that the cost to repair your roof would be less than your deductible. Often, their inspection misses underlying damage so their assessment of the cost to repair a roof can be much too low.
What Can Florida Homeowners Do When Roof Damage Claims Are Delayed, Underpaid, or Denied?
If your roof damage insurance claim has been delayed, underpaid or denied and there does not seem to be a legitimate reason, you do not have to accept your insurance carrier’s assessment, low settlement offer or denial. You can dispute their decision and fight for the payment you deserve.
Whether it’s a disagreement over the terms of your policy, the cause of the damage, the extent of damage or the insurance company’s unfair business practices, an experienced Florida insurance claim attorney can help you. The insurance claim attorneys at Malik Law have years of successful experience fighting and winning against insurance companies and want to make sure you understand your rights and get the payment you deserve.
How Can Proven, Experienced Orlando Insurance Claim Attorneys Help Win a Roof Damage Claim Dispute?
Malik Law is one of Florida’s leading insurance litigation law firms. Our team of experienced, skilled attorneys provides personalized, high quality legal representation for homeowners and injury victims seeking justice. We have helped clients recover millions of dollars from insurance companies and want to help you obtain the payment you deserve.
For expert advice and personalized service, call us, chat online with us or submit the Free Case Evaluation form on our website.