Why Are Some Roof Insurance Claims Denied?

One of the first things homeowners do when dealing with roof storm damage is to file a roof insurance claim. Unfortunately, not all roof claims are approved. And sometimes, even if they are approved, they may be underpaid.  

Non-Covered Issues

Homeowner’s insurance is sorted into different policies that cover named perils. Roof damage caused by a storm and fire are usually included in the named perils, but your insurance policy must specify its coverage within the contract’s terms and conditions. Otherwise, your insurance claim might get denied.

Lack of Roof Maintenance

Your insurance provider will most likely perform its own inspection of your roof. If the company has determined that the roof damage is actually caused by poor maintenance, it may reject your roof claim. To avoid this problem, you should work with a professional roof repair and maintenance contractor to help you keep your roofing system in the best condition.

Partial Roof Damage

Insurance companies may deny your claim if your roof has only sustained partial damage. Before filing a claim, you need to make sure the roof damage actually warrants it. 

How to Keep Your Claims From Being Denied

A claim denial can be avoided if all the necessary steps are taken. Make sure you have accomplished the following: 

• Filing the claim within a reasonable time
• Checking the details of the insurance policy to determine if the roof damage is actually covered
• Having photographic documentation of the roof damage
• Making sure all the required documents are compiled and submitted on time
• Having an experienced roofer on-site while the insurance adjuster is checking the roof

Don’t let roof storm damage compromise the structural integrity of your home. Make sure to turn to Christian Brothers Roofing for professional repair and restoration services. And if you need an expert roofer to guide you through the roof insurance claims process, we can help with that, too. Call us now at (270) 715-1999, or fill out this contact form to schedule a consultation.