Was your roof damage claim denied due to “wear and tear?” This is one of the most common reasons that insurers use to deny claims. Normal wear and tear happens as your roof ages and is almost always excluded by the terms of your insurance policy.

That doesn’t mean that you should just accept the denial of your claim and move on. In many cases, the insurer’s decision is baseless or uninformed as the insurer’s adjuster might have failed to consider the facts that point to a covered peril as the culprit of the damage.

So what happens next? Our public loss adjusters explain…