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The Sting Of Denial: Your Insurance And Roof Replacement

If your roof is beginning to show its age, we’re sad to tell you the end may be near.

After all, most asphalt shingle roofs might last an average of 30 years before the material itself begins to curl and fade, thereby putting the whole structure at risk of damage. Additionally, the older the roof, the less likely it is to be covered by your insurance.

So, let’s say you do file a claim for roof damage in the hopes you can get help affording a roof replacement. Now, let’s say that claim gets rejected.

What comes next?

Why Your Claim May Have Been Denied

  • The Damage Exceeds The Coverage — Let’s say, hypothetically, your insurance will cover up to $50,000 worth of damage. If the total cost to repair the damage or otherwise replace the roof amounts to $75,000, the claim would likely be denied.
  • The Damage Was Maintenance-Related — If the damage your roof has accrued was considered avoidable, your claim may be denied under the pretense that you could have avoided the damage with proper roofing maintenance. For this reason, regular inspections are of the utmost importance.
  • The Damage Is A Non-Covered Issue — If you’re paying for homeowner’s insurance, hail, fire, and storm damage will all likely be covered by your insurance company. However, should the roof become compromised as a result of an uncommon disaster or another non-covered form of damage, your insurance may deny your claim. Be sure to read your coverage details thoroughly.
  • The Damage Was Reported Late — Many insurance companies uphold a statute of limitations with regards to claims. In other words, if you wait too long to file the claim and have already surpassed the time limit specified by your insurance, the claim may be denied… even if it was the result of a covered form of damage. Thus, you should never wait to contact your insurance in the wake of a disaster.

Taking The Next Step(s)

Should your claim be denied, first things first: Do not give up. You still have options available to you, which is why we’re here to guide you through what you can do next to better ensure an affordable roof replacement!

Begin by asking the insurance company why your claim was denied. Once you have an answer and sufficient knowledge regarding the limitations of your coverage in this specific situation, you can file an appeal for the denial that respectfully details why you think the claim was wrongfully denied.

Remember to ask for a specific resolution date and request a second roof inspection with your own contractor or adjuster.

Otherwise, the insurance company may offer financial air for repairs, albeit not an outright replacement.

Calling Your Professionals

If you have further questions about how your insurance may impact your roof’s longevity, you don’t have to learn the intricate ins and outs by yourself. Rather, you can call Universal Roof & Contracting, your locally owned, operated, and trusted roofing company!

Not only do we conduct FREE roofing inspections, but we can help you to repair or replace your roof, as well as provide you guidance with regard to the insurance process.

We’ve been providing roofing aid to the residents and business owners of Jacksonville and Central Florida for over 28 years. We guarantee you’ll find that, when you work with us, the difference is universal!To learn more or schedule an appointment today with our team, contact us by calling 855-ROOF-HELP.