While there are a lot of variables that can result in your roof insurance claim being denied, they all have something to do with the specifics of your insurance policy. If your provider denies your claim, it will likely be for one of the following reasons.
Common Reasons Roof Insurance Claims Are Denied
- You did not meet your deductible. It is crucial to know what is covered under your policy and how much will be deducted from the final amount when filing a claim. You might have different deductibles for home repairs — one for windstorm or hurricane damage and another for everything else.
- Your coverage is insufficient. You may not receive an out-and-out denial when filing a roof claim that exceeds the limit of your coverage. However, the amount provided to you will be limited by that number.
- Your roof is too old. Your claim can also be denied if your roof is simply too old. In most cases, roofing structures that are older than 15 to 20 years are not covered by insurance companies. However, if the damage was caused by hail or wind, the coverage might still be legitimate even though the roof is past its prime.
- Someone else is liable. Damages due to intentional or negligent acts of service professionals or other visitors are not protected by homeowner’s insurance.
What Should You Do if Your Claim Is Denied or Underpaid?
If you believe that your roof insurance claim was wrongfully denied, make sure that you submit all the relevant documentation to the insurance company. If there is any reason as to why the payment was not made in full even after you have compiled the necessary materials, reach out to an attorney or someone else who works against insurers on behalf of homeowners and ask how to appeal a rejection decision.
Contact Us for All Your Roofing Needs
Are you worried about the condition of your roof? Contact Patriot Roofing LLC at (405) 217-0473 or fill out our online form so we can take a good look at your roof and figure out what needs to be done.