Or maybe you had a hail storm before moving into your current home, but now need to get the roof repaired or replaced due to other damage. Either way, you’re probably wondering how to handle your insurance company when they tell you that they’re not going to pay for the repairs needed on your roof, either because of their deductible or because of the kind of materials that were used to build your roof. Here are some tips for preventing insurance companies from denying your roof claim.
Why Roof Repairs are Different From Homeowners Insurance Claims
A lot of people don’t know this, but with most home insurance claims you are covered by the HO3 Coverage in a standard homeowners policy. HO3, like all coverages in a homeowners policy, is subject to deductibles and limitations. This coverage pays for certain repairs to the home after a sudden, unexpected event such as fire or natural disaster. All an insured needs to do is contact their agent/insurance provider and file the necessary paperwork to start the process. However, when it comes to roof repairs, that’s not always true. Why? Well, there’s a difference between Homeowners Insurance and Homeowners Insurance which means if you have storm damage from wind or hail that damaged your roof AND siding – then these are two separate events (since they involve different types of damage) – so it can be difficult for an insurance company to evaluate the total cost of repair because they’re not sure which one has higher priority (remember: Homeowners Insurance covers ONLY accidental damage). What does this mean?
What Makes A Roof Claim So Expensive?
A good roof is an essential part of every building, but the costs of replacing one can be shocking. The average cost for a metal or asphalt shingle roof replacement in Colorado Springs runs about $4-7 per square foot. This means that, depending on the size of your home, a full replacement could easily cost you more than $20,000! Plus there are many other components to a shingle roof that might need to be repaired in addition to the actual shingles. A rain gutter tear may cost as much as $250 without insurance coverage and if you have water coming into the house during a storm that wasn’t caused by hail (or floods), then this is considered structural damage.
Does Insurance Cover The Whole Job?
In today’s society, it seems as if insurance companies are hesitant to cover any type of job. In the last few years, I have seen an increase in contractors being called for insurance denied roof claims. The moral of the story? Always take the time to call your insurance provider and get clarification on what is or isn’t covered before starting a new project. Make sure you’re not working outside of their guidelines, otherwise you’ll be paying out-of-pocket when they come back with a denial letter. If you have any questions about whether or not insurance will cover something, just ask them. They want to help you get the right coverage and make sure that everything is taken care of so don’t hesitate to contact them even if there aren’t any problems yet!
How Do I Get My Insurer To Pay?
Know what you’re signing up for. Read the policy before buying, and find out what exclusions are in place that may jeopardize coverage for the damage you want to file a claim on. Make sure you know when and how often the insurer will inspect your property to prevent disputes on whether it’s an active or inactive loss. If you don’t ask about these details at purchase, make sure you do so before anything happens that would warrant a claim.
Get structural inspections done right away. Insurers may require structural inspections as a precondition to consideration of any coverage requests (e.g., windstorm damage). Inspections should be performed by engineers qualified in design of structures not under construction or buildings undergoing major repairs.
What If My Homeowner’s Insurer Won’t Pay For A Roof Repair?
An insurance denied roof claim is a nightmare situation. After hours of high winds and heavy rains, you come home to find that the ceiling has fallen in, the refrigerator has broken through the kitchen floor, and now your house is uninhabitable. You call up your insurer and tell them about the issue- only to be told that there is nothing they can do for you because you were outside when it happened. It might sound like something from a Hollywood film, but unfortunately it happens more often than we would like to think. Homeowners’ insurance isn’t always as straightforward as many people expect. Insurance companies don’t always cover repairs if someone was outside during the storm or if they are unsure whether or not your roof was made with shoddy materials or not. Insurance denied roof claims happen all too often so it’s important to know what steps you need to take before filing a claim with your insurance company.
The first thing you should do is contact an independent contractor who will examine the damage done to your property. They will be able to inform you of whether or not the damage falls under the windstorm category and determine whether or not there are any other problems with construction quality at hand which may lead to further issues down the line.
What should I say if my homeowner’s insurance won’t pay for my repair?
What Can I Do If I Disagree With My Insurance Company’s Decision?
If you disagree with the decision of the insurance company, you can:
– Submit an additional request for review with your homeowner’s insurer. – Contact customer service and request a specific reason why they denied your claim. – Contact an independent adjuster who may be able to settle the case. – Seek legal advice. – Contact their attorney general or regulatory agency to see if any action has been taken against them. – Read the contract for coverage carefully before signing it so that you know what is and isn’t covered by your policy.
