What To Do If Insurance Denied Roof Claim

If you own a home, then you know how critical it is for the roof above your head to be reliable, but do you know what to do if insurance denied a roof claim citing “preexisting damage” or “improper installation?”

If your roof is damaged in a storm, you would think that your homeowner’s insurance policy will be happy to cover the cost of repairs or replacement if it’s necessary. However, your insurance company may end up denying your claim for any number of reasons. Luckily for you, there are several steps homeowners can take to better understand the reason for a claim denial and explore available appeal options.

What to Do if Insurance Denied Roof Claim Stating “Preexisting Damage”

If your insurance provider believes that your roof was already damaged before a storm, the insurance carrier may determine that the claimed damage is not covered under the policy. Do you know what to do if insurance denied a roof claim citing preexisting damage?

First, you’ll need to start the process of filing an appeal. If you choose to appeal the decision, you may wish to gather documentation regarding the condition of your roof and any storm-related damage for submission to your insurance carrier, you may wish to gather documentation regarding the condition of your roof and any storm-related damage for submission to your insurance carrier and wasn’t pre-existing damage. You may also want to provide evidence that your roof was properly maintained. Coverage determinations depend on the terms of the policy and the insurance carrier’s evaluation of the claim.

To gather this evidence, you’ll want to get every scrap of proof you can possibly assemble. Pictures of your roof before and after the storm would be ideal. Inspection reports may help document the condition of a roof at the time of inspection.

You should also save any invoices or receipts that you received for repairs or replacements done to your roof. Using a reputable roofing company is also a good idea. They can provide documentation regarding observed roof conditions, damage, and prior repairs.

What to Do if Insurance Denied Roof Claim Stating “Improper Installation”

If instead of pre-existing damage, the insurance provider states that your roof was improperly installed and cites that as a reason for denying coverage, you’ll have a harder time than if they just believed the damage was pre-existing. Do you know what to do if insurance denied roof claim citing improper installation?

As with any sort of insurance denial, first you’ll need to file an appeal with your insurance provider. You’ll need to find evidence that your roof wasn’t improperly installed. That information can be difficult to find depending on when your roof was installed and how recently you moved into your home.

If you were already living in your home when the roof was installed. Firstly, you’ll need to find a reputable roofing company to perform an inspection of your roof. Ideally, do not use the roofing company that installed your roof to get the most accurate answers out of your roof inspector. If the roof was correctly installed, you can inform your insurance provider of the inspector’s assessment, and the insurance carrier will review the additional information and make its own coverage determination. If the roof was incorrectly installed, you may wish to consult qualified legal counsel regarding your options.

If you were not living in your home when the roof was installed, you may need to contact your realtor, landlord, or the previous occupant in order to learn who installed your roof. Once you find that information, you should then follow the instructions stated in the previous paragraph.

In either scenario, additional documentation may assist the insurance carrier in evaluating the claim that your roof was in fact correctly installed. That’s why you need to make sure that you only hire the services of a reputable roofing company, as they should follow applicable manufacturer specifications and industry installation practices.

What to Do if Insurance Denied Roof Claim: Find a Reputable Roofing Company for Help

That’s why you should hire New View Roofing for all your roofing needs in the Greater Dallas and Fort Worth areas. We’re a reliable and reputable roofing company that employs experts who pride themselves on their roofing knowledge, high standards, and exceptional customer care. We strive to provide responsive service, quality workmanship, and clear communication throughout the project. We can inspect your roof and provide documentation regarding observed roof conditions and damage. Contact us today!