If you have lived in Florida for any length of time, you have likely experienced more than one serious storm. As beautiful as the weather is most of the time, it can become violent and destructive when a tropical storm or a full-blown hurricane passes over the area. When that happens, your home is extremely vulnerable to damage.
One of the most vulnerable parts of your home is your roof. Shingles can be blown off; trees or blown debris can crash through your roof; and the interior of your home can be exposed. To make your home safe and prevent further damage, getting the roof repaired or replaced is very important.
Unfortunately, insurance companies do not see roof damage from this perspective. Instead, they often deny roof claims, in large part because they can be very expensive. However, they supply many different reasons for delaying, underpaying, or denying roof damage claims.
Why Was My Florida Insurance Claim for Roof Damage Denied?
Most Florida homeowners are shocked when they have a claim denied, with good reason. They file what they believe to be a valid claim, made in good faith, and expect the insurance company to reciprocate in kind by approving the claim. When they receive a denial, they don’t know what to do.
While many insurance companies do process and approve claims for roof damage in a timely manner, it is not unusual to have a claim denied. Common reasons given by an insurance company may include:
- Incomplete application – Adjusters often bombard a homeowner with requests for additional information, evidence, or paperwork. When the homeowner is unable to provide something requested, it provides justification for denying the claim.
- Uncovered loss – Your claim may be denied if the insurance company believes the damage was caused by an uncovered loss. For example, if the damage occurred as a result of a hurricane, and you opted not to carry hurricane insurance, the loss won’t be covered.
- Third-party liability – Adjusters also like to blame a damaged roof on third parties, such as the manufacturer or installer, when possible.
- Actual cost vs. replacement cost – If you have actual cost coverage, the age of your roof will affect how much you are paid for repairs or replacement. If your roof is old, you may be denied payment altogether.
How Can a Florida Insurance Claim Attorney Help?
If you have already filed a roof damage claim and your insurance company denied the claim or refused to pay the full value of the claim, do not give up! You have an absolute right to dispute your insurance company’s decision.
An experienced Florida insurance claim attorney from Malik Law can walk you through the entire dispute process and advocate on your behalf along the way. Our experienced insurance claim attorneys understand the claims dispute process and are committed to fighting for your roof replacement.
If you have already filed a roof damage claim that was denied, delayed or underpaid, now is the time to consult with an experienced Florida insurance claim attorney. Call us at 407-500-1000 or submit the Free Case Evaluation form on our website. One of our experienced insurance claim attorneys will consult with you for free on your rights and legal options.