What To Do If Insurance Denies Your Roof Claim?
Learn About How To Deal With Your Insurance Company After They Deny Your Roof Claim.
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Insurance Companies Don't Want To Pay You
While insurance is supposed to relieve your stress in case of an eventuality, it sometimes becomes a source of stress and frustration when a roof insurance claim is denied. Essentially, when a claim is denied, the burden of replacing or repairing the damaged part of your house solely lies with you.
Why Do Insurance Companies Deny Roof Claims?
Wear And Tear
The roof manufacturing technologies we have today can build roofing materials that can withstand the harshest conditions even for decades. However, the components used to build these materials will degrade over time.
Take a scenario where you purchase an old house with a 25-year-old roof, and it begins to leak a few years after purchase. It is possible to argue that the shingles have reached the end of their lifespan. If you or the previous owner has failed to carry out proper maintenance for the roof, this is even more so.
Therefore, if you choose to buy an old property, be aware that your policy is unlikely to cover the natural degradation on your roof. As such, you can either budget to install a new roof when the time comes or request the seller to install a new roof before purchase.
For example, in many countries, a 30-year roof is unlikely to have escaped a storm strong enough to warrant a roof replacement under a standard policy. Note, however, that one policy cannot be used to repair damage suffered when under a previous policy. An insurance policy will only pay claims resulting from the most recent event.
It’s not uncommon for a homeowner to find themselves at crossroads after a storm. Imagine a scenario where most of your neighbors get approved for a roof replacement, and your insurance denies your roof claim despite similar circumstances and damage.
Warranties can get a bit dicey to navigate, and it’s advisable to talk to your Colorado roofing contractor to guide you on warranty types and additional covers before roof installation.
As much as possible, get in touch with your insurer immediately your roof suffers some hail or storm damage. An insurance inspection is often conducted at no cost to the homeowner. Taking swift action can help prevent rejection.