As a public insurance adjuster, Liberty Adjusters helps homeowners file roof damage claims with their insurance company. Unfortunately, we've also seen many homeowners come to us with insurance claims that are already denied. Although we may be able to help get it approved, the settlement is typically not as big as it could have been if the homeowner called us from the very start.
We'll explain the top 5 reasons we see roof claims get denied in this blog, and let you know what you can do to ensure your claim is approved.
1. Incorrect or Insufficient Roof Maintenance
Your insurance policy will have a section that outlines what you, the homeowner, are responsible for when it comes to maintaining your home - including your roof. If you fail to do your part in keeping up with repairs and maintenance, your insurance company may deny your claim.
2. Not Filing on Time
Even if the damage to your roof is from the recent storm, if there was already damage present before the storm, your insurance company may deny your claim. This is why it's important to have a professional roofing inspection done regularly, so you can catch any damage early on and get it repaired before it becomes a bigger problem.
3. Old/Degrading Roof
How old your roof is could be another reason why your claim is denied. Most insurance policies will have a section that outlines how long they will cover a roof. Once your roof reaches that age, the insurance company may no longer be responsible for any damage it sustains.
4. Not Following Your Duty After Loss
Your insurance policy states that you must do everything possible to mitigate further damage to your home following an incident. For instance, if there is a hole in your roof, you are required by your policy to tarp the roof to prevent any water damage. Any extra damage caused by your inaction can be denied.
Read More > What Is Duty After Loss
5. False Statements or Improper Documentation
Giving false information is a very easy way to see a quick denial. Now, you probably aren’t trying to lie to the insurance company; but in many cases, there is simply too much information for a person to handle. You deserve to have your claim handled by someone with experience filing claims, like the public adjusters at Liberty Adjusters!
Roof Damage? Call Liberty Adjusters First!
It's always best to call a public adjuster before filing your insurance claim. We will help you throughout the entire process, and make sure you get the settlement you deserve. Contact us today for a free consultation!