Why Was My Roof Damage Claim Not Approved By Insurance?
More than 5% of insured homeowners in the U.S. filed a claim in 2019—many are related to roofs. However, getting a damage claim approved by your insurance company can be tricky, especially under certain circumstances.
If you’re struggling to get roofing repairs approved by your insurance company, some underlying conditions may be present. Here’s why your roofing claim may have been denied and what you can do to appeal the decision.
Reasons Why Roofing Insurance Claims Get Denied
Many roofing claims get denied for one or more of the following reasons:
1. Your roof is too old.
If your roof is over 20 years old, insurance companies will assume it’s at the end of its lifespan and won’t approve claims for repairs.
2. You didn’t maintain your roof.
Your insurance company will check to see if you’ve been keeping up with regular roof maintenance, like getting it inspected and cleaned every few years. If not, they will be more likely to deny your claim.
3. Your policy doesn’t cover the damage.
Homeowner insurance policies do not typically cover some types of damage, like wear and tear or mold.
Even one of these factors could make it challenging to get roofing claims approved. However, this doesn’t mean you’re entirely out of luck. Some homeowners can negotiate with insurance companies to cover partial repairs.
How To Appeal Your Roofing Claim
If your roofing claim has been denied, there are a few steps you can take to appeal the decision:
1. Review your policy
Be sure that you understand what is and isn’t covered. Feel free to contact your insurance company and ask for clarification.
2. Collect evidence
If you think your claim was unfairly denied, start gathering evidence to support your case. This includes photos of the roof or damage in question.
3. Partner with professional roofers
Look for an outstanding roofing company that has experience crafting insurance claims. They can walk you through the process of making a claim and explore the factors that may cause a denial.
This includes the experts at Pride Roofing LLC, one of the most comprehensive roofing contractors serving the Gulfport area.
Get Roof Services From The Best Roofing Contractor On The Gulf Coast
No matter the status of your roofing claim, trust the professionals at Pride Roofing, LLC to guide you in the right direction. After all, a job done well is a job done with Pride!
Besides roof inspection, we offer a range of roofing services, including repair and maintenance. We proudly serve homes all over Hammond and Tangipahoa, including:
- St. Tammany
- New Orleans
- Southeast Louisiana
- Lake Charles
- Southwest Louisiana
- Mississippi Gulf Coast
Call us today at 855-PRIDE-16, or fill out this form. Rather come by in person? You are welcome to visit us at 19391 Florida Blvd., Albany, LA 70711.