What You Need to Know About Roof Claim Rejection

When it comes to roof damage, homeowners can usually rely on their insurance to protect their investment. However, there are some instances when roof insurance claims are denied. Depending on the specifics of your policy, there are several factors that can cause the rejection of your roof claim.

Roof Claim Rejection

Read on to learn more about the reasons roof claims get denied and the steps you can take after.

Top Reasons Roof Claims Are Denied

Non-Covered Issues

There are various types of home insurance policies that cover a specific number of named perils. For example, even if you have a tree fall on your roof, it’s still possible to get your claim denied. This can happen if the falling objects clause isn’t included in your homeowner’s insurance policy.

Roof Is Too Old

Most of the time, roofs older than 15 to 20 years aren’t covered by insurance companies. However, in some cases where the damage was caused by wind or hail, insurers can still cover the roof even though it’s past its prime. A licensed contractor should conduct a roof inspection to help you verify this and determine whether you have a valid claim regardless of your roof’s age.

Someone Else Is Liable

If the roof damage is caused by visitors or service professionals, your homeowner’s insurance won’t be able to cover the repairs. To prevent this from happening, especially during a home improvement project, make sure your contractor is insured. This will give you protection in case any problems arise during their work.

What to Do 

Prepare Important Files 

If you suspect your insurance claim was wrongfully rejected, make sure that all necessary documentation has been submitted according to the guidelines.

Consult an Attorney

Unlike a public claims adjuster, an insurance claims attorney charges less and has the legal experience to help you with your roof claim concern. They can review your insurance policy, denial letter and claim details for you. Additionally, they can provide you with professional advice that can make things less stressful for you.

Gather Evidence

There might be some insurance companies that will try to validate your claim denial and say roof damage was caused by negligence or pre-existing issues. Collect any evidence that supports your position and hand it to your attorney so they can take legal action if needed.

For more professional advice about roof claims, The Great American Roofing Company is always here to assist you. We are composed of experts who can help you with a variety of roofing concerns. To set an appointment with our team, call (201) 825-2955 or fill out our contact form.