Hail Damage Roof Claim Denied

Be sure to include photographs of the damage a roofing contractor s estimate and records of the phone calls and correspondence you ve had with the insurance company.

Hail damage roof claim denied. Collect all the information relevant to your claim including date s extent of the damage and all maintenance and preventive measures that you took. Some people wrongly assume that there was no damage if they do not see missing shingles. Hail can damage your roof without any visible signs from the ground. Hail roof damage claim denied after allstate points to cosmetic exclusion amendment.

My insurance company denied my claim because there doesn t appear to be damage to the ridge line or to the gutters. However shingles are usually taken off a roof by wind not hail. If you believe that the insurance company is wrong and the damage should be covered by your insurance policy you can appeal the denial. Another type of functional damage is when the roof systems like expectancy has diminished significantly because of the hail impacts.

If your appeal is denied you can consult with an attorney to see if you have further recourse. If your roof has reached or surpassed its expected lifespan and is damaged your roof damage insurance claim may be denied due to the age of the roof. How a hail damage roof insurance claim works. If your roof has damage because of a lack of maintenance chances are your insurance claim will be denied.

Ask them to clarify with you what the damage is and if the roof has real functional damage that has even created punctures or tears that may create a leak. An adjuster hired by the insurance company comes out to inspect the damage. Do not file a claim for roof damage unless you can see the damage. If you have damaged siding vehicles or have noticed neighbors getting their roofs replaced more than likely you have hail damage as well.

But when a hail storm or a wind storm smashes the home or the business these insurance companies find ways to make the damage a non covered occurrence so that they can deny payment of the claim. But it doesn t have to end with a denial. Failure to perform routine maintenance on a roof will show a claims adjuster that you had the power to prevent roof damage but did not take the steps to do so. The site adjuster marked 9 anomolies in two test squares and 6 in two others.

Disputing an insurance denial if your roof damage insurance claim is denied and you do not agree with the decision contact the insurance company and schedule a re inspection. Your policy is your contract with the insurance company. My lanai sustained lots of damage and my car had more than 30 smallish dents. These are some of the most common myths about hail damage insurance claims along with the facts debunking them.