You pay your insurance premiums on time in order to protect yourself, your family, and your property in the case that disaster strikes. However, insurance companies are businesses, not fairy godmothers, and when it comes time to cough up the money that they owe you for a claim, they will still be operating with profit margins in mind. One major expense that comes with owning a home is the roof.
Most homeowners’ insurance covers roof replacements, but there are certain situations that you may find your roof insurance claim denied. It’s a big investment to replace a roof, which is why it’s so essential to have homeowners insurance in place. It’s important for homeowners to be informed about what their policy entails in order to know what they’re entitled to if they need to make a claim, and also what limitations they can expect.
Read on to learn more about the reasons that your insurance carrier may deny your insurance claim. Your Insurance Attorney is a top insurance attorney in the Miami-Dade County area. Call Your Insurance Attorney today for a public adjuster Fort Lauderdale residents trust!
Know Your Policy
There are a few main reasons that your roof insurance claim may be denied by your carrier.
- Age Limit: Be informed about the limits placed on your policy, especially if your roof is very old. While many carriers look at roof age limits differently, most companies are decreasing their liability through setting age limits on roofs. If your roof is older than 20 years, then many insurance companies may refuse to give you a policy or to renew the existing policy. If you need an inspection done or a total roof replacement, make sure to check with your insurance company.
- Deficient Roof: While older roofs are more likely to have issues, so can newer roofs. If your roof has been determined to be deficient, causing other necessary repairs, your claim may not be covered by your carrier. For example, if your roof leaks and you don’t know, damage such as mold and sheetrock damage could occur
Roof Insurance Claim Denied
Here are some more reasons that Your Insurance Attorney, a top public adjuster Fort Lauderdale residents trust, recommends you watch for.
- Materials: Your coverage may be limited based on roofing materials used, such as wood shakes, so you should check with your carrier to make sure they will cover a replacement of the type of materials used to construct your roof.
- Cosmetic: If damage to a roof is purely for aesthetic purposes, some carriers may refuse claims.
Your Insurance Lawyer
It’s important to be informed about your insurance policy and its limitations as a homeowner, in order to make the best decisions when it comes to claims and to protect yourself, your family, and your property. After all, you pay your insurance premiums on time for a reason- to make sure that you’re covered in the case that disaster strikes.
This is why it is crucial to know the reasons you may have your roof insurance claim denied. Your Insurance Attorney is a top insurance claims attorney in the Miami-Dade County area. Call Your Insurance Attorney today for a public adjuster Fort Lauderdale homeowners rely on!