Hail Damage Roof Claim Denied

But when a hail storm or a wind storm smashes the home or the business these insurance companies find ways to make the damage a non covered occurrence so that they can deny payment of the claim.

Hail damage roof claim denied.

Hail can damage your roof without any visible signs from the ground. Collect all the information relevant to your claim including date s extent of the damage and all maintenance and preventive measures that you took. Some people wrongly assume that there was no damage if they do not see missing shingles. If your roof has damage because of a lack of maintenance chances are your insurance claim will be denied.

Even many roofing contractors do not know what to look for when it comes to hail damage. The site adjuster marked 9 anomolies in two test squares and 6 in two others. My insurance company denied my claim because there doesn t appear to be damage to the ridge line or to the gutters. If you have damaged siding vehicles or have noticed neighbors getting their roofs replaced more than likely you have hail damage as well.

Hail roof damage claim denied after allstate points to cosmetic exclusion amendment. Homeowners win in court cbs dallas fort worth a jury reached a 1 5 million verdict in favor of a texas couple who sued allstate for failing to disclose a cosmetic roof exclusion in their policy. If your appeal is denied you can consult with an attorney to see if you have further recourse. If you believe that the insurance company is wrong and the damage should be covered by your insurance policy you can appeal the denial.

Your policy is your contract with the insurance company. However shingles are usually taken off a roof by wind not hail. How a hail damage roof insurance claim works. Failure to perform routine maintenance on a roof will show a claims adjuster that you had the power to prevent roof damage but did not take the steps to do so.

An adjuster hired by the insurance company comes out to inspect the damage. My lanai sustained lots of damage and my car had more than 30 smallish dents. These are some of the most common myths about hail damage insurance claims along with the facts debunking them. Do not file a claim for roof damage unless you can see the damage.

But it doesn t have to end with a denial. If your roof has reached or surpassed its expected lifespan and is damaged your roof damage insurance claim may be denied due to the age of the roof. Another type of functional damage is when the roof systems like expectancy has diminished significantly because of the hail impacts. Be sure to include photographs of the damage a roofing contractor s estimate and records of the phone calls and correspondence you ve had with the insurance company.