Here in Florida, we are no strangers to strong, stormy weather. For that reason, it’s not uncommon for homeowners to find their houses have suffered roof damage after a tropical storm or hurricane. When this happens, you may want to consider filing for a roof damage insurance claim.
Left untreated, roof damage can cause a large number of far more devastating situations around your home, like mold development and structural damage.
At Your Insurance Attorney in Coconut Grove, we’ve provided a skilled property damage lawyer to homeowners around the Miami area, and we can offer some advice for what to do if your roof has been damaged recently.
How A Property Damage Lawyer Helps
When it comes to compensation for roof damage, it’s important to recognize that your insurance company doesn’t have the final say in how much you receive. Insurance companies are often looking for ways they can save money, not ways that help you when you need it. Here are some ways insurance companies will try to short you on the compensation you deserve:
- An adjuster will look for ways to deny your claim
- An adjuster hired by your insurance company will try and find reasons to deny you full coverage. Depending on the condition of your roof, they might try and say certain issues were present before the natural damage to the roof occurred, such as before a hurricane.
- They’ll recommend the cheapest repair options
- If there’s nothing an adjuster can do to deny you full compensation for the roof, they’ll try and offer you the cheapest services available to cover. These aren’t great, because they might only bandage larger issues that your roof may have, or they may simply have a shorter lifespan. This could mean you’ll end up replacing weak or faulty parts of your room in the near future.
Should You File a Roof Damage Insurance Claim
Something to consider when filing any kind of property damage report is that there’s a possibility that the report could be filed as a part of CLUE. CLUE stands for Comprehensive Loss Underwriting Exchange, and it effectively works like an insurance report. Before filing a claim, it’s best to speak with a professional on your situation as it happens.
If you are going to file a report, there are a few things you’ll want to know. First, you’ll need to provide evidence that the roof damage was caused from a natural occurrence. Insurance companies will also want to know the age and condition of the room from before it was damaged.
The details of your roofing system are also important, such as the type of your roof and maintenance records. It’s also a good idea to keep monthly photos of your property as a whole in the event that something happens. If you have photographic evidence of your property’s condition prior to any damage it sustains, you’ll have an easier time proving your case.
Property Damage Lawyer
Need a property damage attorney to handle your roof damage insurance claim? Look no further than Your Insurance Attorney. Our skilled lawyers have experience helping residents around the Miami area with all kinds of property damage claims, and we can help you too. Contact us if you need a roof damage lawyer in Coconut Grove or any surrounding areas.