Why Roof Insurance Claims Are Denied: 10 Mistakes To Avoid

Key Takeaways:

• Not all roofing damage is covered by insurance.
• Failing to maintain your roof can lead to the denial of a claim.
• Claiming cosmetic damage can result in forfeiture.
• Roofs that are over ten years old are often not covered for replacement.
• If a storm damages your roof, you must have a professional inspection before making a claim.
• If your roof is determined to be structurally unsound, your insurance company may deny your claim outright.
• Filing multiple claims for roof damage can lead to higher premiums or even non-renewal of your policy.
• Palmer Construction offers roofing services to customers in Otis Orchards, WA, and the surrounding areas.

You just suffered a significant roofing disaster. Your insurance company will process your claim, but you’re worried it might be denied. You’re not alone – many homeowners have their roofing claims rejected. It’s a nightmare scenario that no one wants to consider: your home catches fire, and the roof is destroyed. You file a claim with your insurance company, but they deny it. Why? Because you made one of the mistakes below. Palmer Construction will explain why roof insurance claims are denied and how to avoid them.

Mistakes to Avoid When Filing Roof Insurance Claim

1. Claim Doesn’t Justify the Damage

One of the primary reasons that roof insurance claims are denied is that the damage is not severe enough to warrant a complete replacement. To avoid this, it is crucial to have your roof inspected by a professional regularly. It will allow you to catch any minor damage before it becomes a significant problem later.

2. Poor Roof Maintenance

Another common reason for roof insurance claims to be denied because the policyholder did not maintain their roof well. It is vital to clean your gutters and remove any moss or lichen that might be growing on your shingles. Additionally, you should have your roof inspected and repaired as soon as you notice any damage.

3. Inadequate Coverage

Another reason that claims may be denied is if the policyholder did not purchase enough coverage. It is crucial to ensure you have enough coverage to replace your roof in the event of significant damage.

Related: What to know when buying an insurance policy or filing a claim for your roof.

4. False or Exaggerated Claim

Some insurance companies will also deny claims if they feel that the policyholder made a false claim or exaggerated the extent of the damage. It is essential to be honest when filing a claim and to provide accurate information about the defect.

5. Damage Falls Under Exclusion Clause

Some policies also have exclusions for certain types of damage, such as wear and tear or cosmetic changes. It is critical to read your policy carefully so that you are aware of any applicable exclusions.

For example, if your roofis more than 20 years old, most insurance companies will not cover any damage that occurs to it. Additionally, if your roof needs repair or replacement before the issue arises, your insurance company may refuse to cover the cost of repairs or replacement.

6. Damage Caused Due to the Negligence of the Policy Holder

Claims may also be denied if the insurance company feels that the policyholder failed to take reasonable steps to prevent the damage from occurring in the first place. For example, if a tree damaged your roof, but you failed to trim the tree when required, the insurance company may deny your claim.

7. Failure to Mitigate the Root Cause behind the Damage

Additionally, claims may be denied if the policyholder did not take action to mitigate the damages after they occurred. For example, the insurance company may deny your claim if you had water damagefrom a leaky roof but failed to fix the leak promptly.

8. Claim Files Too Late

Most policies have a time limit for filing claims, typically one year from the date of the incident. The claim will likely be denied if the policyholder does not file a claim within this time frame.

9. Incomplete Documentation to Support the Claim

Roof insurance claims can be denied if the policyholder does not have enough documentation to support their claim. The insurance company will typically require photos or videos of the damage, as well as receipts for any repairs that have been made. Without this documentation, it will be difficult to prove that a covered event caused the damage.

Also, read our blog on what to do if your home has recently sustained damage after a storm.

10. Damage Claimed from another Source

Finally, roof insurance claims can be denied if the policyholder has already received payment for the same damages from another source. For example, if the policyholder received a payout from their homeowner’s insurance for the samedamages, they will likely not be eligible for coverage from their roofinsurance.

Tips for a Successful Roof Insurance Claim

You can take several steps to avoid having your roof insurance claim denied. First, ensure that you are familiar with your policy and what types of damage are covered. Second, keep your roof in good condition by regularly cleaning gutters and removing debris. Third, file your claim as soon as possible after the incident occurs. Fourth, gather all of the necessary documentation to support your claim. And finally, ensure you have not already received payment for the damages from another source.

1. Document Any Damage to Your Roof As Soon As It Occurs

It can be done by taking photographs or video footage of the damage. Additionally, you should keep any receipts for repairs or replacements that you have made in the past.

2. Include All Relevant Documentation

It should include photographs or video footage of the damage and receipts for any repairs or replacements you have made. You should also include a copy of your insurance policy and other relevant paperwork.

3. Negotiate With Your Insurance Company

Insurance companies are notorious for lowballing claimants on the cost of repairs or replacement. So, it is crucial to be prepared to negotiate with your insurance company to get the best possible settlement for your claim.

4. Hire a Public Adjuster

If you are not satisfied with the offer from your insurance company, you can hire a public adjuster. A public adjuster is a professional who specializes in negotiating with insurance companies on behalf of claimants. They will review your case and decide what a fair settlement would be based on the facts of your case and the applicable law.

Need Roofing Services in Otis Orchards, WA?

If you need a new roof or other exterior home services in Otis Orchards, WA, Palmer Construction is here to help. With over 20 years of experience, we know how to deliver high-quality solutions that meet your needs and exceed your expectations. We also believe in keeping our customers informed and stress-free throughout the process. Contact us today to schedule a roof inspection or get a free estimate!