A homeowners insurance policy protects you from the costs of repairing a storm-damaged roof. Unfortunately, some roof claims are rejected or underpaid due to varying factors.
Here are the most common reasons why roof insurance claims are denied or underpaid.
Normal Wear and Tear
Roofing materials tend to have a diminished quality over time. Damage from natural wear and tear makes roofs more vulnerable during storms, which is why most insurance companies reject storm damage claims for old roofs. However, you can still get your claim approved if your roof’s maintenance is properly documented. Ask your insurance agent if it’s worth filing a roof claim with your maintenance documentation.
Storm damage insurance policies only cover the last damage that occurred to your roof. Insurers will likely reject your claim if any previous roof damage was left unaddressed because it can be assumed that this previous damage weakened your roof and exacerbated the most recent damage. Furthermore, the insurance company may also deny your claim if you have no record of fixing the damage before the storm.
Minor damage has a vague definition, so you must review your insurance policy’s inclusions and exclusions to know if you can file for a storm damage claim. Furthermore, seek the expertise of a professional, such as your insurance agent or insurance claims attorney, to help you interpret your policy’s terms and conditions.
Manufacturers are responsible for defective materials that exacerbated the recent storm damage. If your roof is under warranty, it’s best to call the contractors who installed it. They can inspect and identify the root cause of the roof damage and address the issue with your roofing.
Get your roof back into shape by hiring a reputable contractor for repairs or replacement. At Lankford Roofing & Construction LLC, you can expect first-rate services and workmanship. Call us at (903) 465-7677 (Texas) or (580) 920-1433 (Oklahoma). You may also fill out this contact form to request a quote.