Hail Damage Roof Claim Denied

My insurance company denied my claim because there doesn t appear to be damage to the ridge line or to the gutters.

Hail damage roof claim denied. However shingles are usually taken off a roof by wind not hail. Hail can damage your roof without any visible signs from the ground. Some people wrongly assume that there was no damage if they do not see missing shingles. If your appeal is denied you can consult with an attorney to see if you have further recourse.

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. Hail roof damage claim denied after allstate points to cosmetic exclusion amendment. 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. If you have damaged siding vehicles or have noticed neighbors getting their roofs replaced more than likely you have hail damage as well.

My lanai sustained lots of damage and my car had more than 30 smallish dents. Disputing an insurance denial if your roof damage insurance claim is denied and you do not agree with the decision contact the insurance company and schedule a re inspection. These are some of the most common myths about hail damage insurance claims along with the facts debunking them. Ask them to clarify with you what the damage is and if the roof has real functional damage that has even created punctures or tears that may create a leak.

If your roof has damage because of a lack of maintenance chances are your insurance claim will be denied. If you believe that the insurance company is wrong and the damage should be covered by your insurance policy you can appeal the denial. An adjuster hired by the insurance company comes out to inspect the damage. Do not file a claim for roof damage unless you can see the damage.

But it doesn t have to end with a denial. 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. 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. 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.

The site adjuster marked 9 anomolies in two test squares and 6 in two others. This is how they do it. How a hail damage roof insurance claim works. Your policy is your contract with the insurance company.