Few things can be as stressful and frustrating as filing an insurance claim after your roof becomes damaged. After you make the initial call, you easily become overwhelmed with paperwork, appointments from the insurance adjuster, and prolonged waits. However, getting your claim denied takes the frustration and stress to another level. It can make you feel like you’ve run out of options and left with hefty out-of-pocket expenses. 

Nevertheless, the insurance company might not have the final word when they deny your claim. You might still have options for refiling your case and getting the coverage you need to repair or replace your roof. As a reputable roofing contractor in Walker, LA, A Step Above Roofing LLC can help you. We can re-inspect your roof to determine the actual roof damage and help you get the compensation you deserve.  

Reasons Why Your Claim Can Be Denied 

Before appealing your roof claim denial, it’s crucial to understand why your insurance company might deny your claim. A few of the common reasons for roof damage claim denials include:

• Age of the roof: Your insurance company can deny your claim if your roof is past its expected useful life. Many roofs last from 15 to 25 years, depending on the roofing material.
• Lack of maintenance: If you have neglected roof maintenance, your insurance company can deny your claim. It’s crucial to frequently inspect your roof and make any required repairs to avoid this situation. 
• Improper installation: Your insurance company can deny your claim if your roof wasn’t installed properly. It’s crucial to hire a skilled roofing contractor to ensure your roof gets installed correctly. 
• Pre-existing damage: If your insurance company determines that there’s pre-existing damage before the storm, they might deny your claim. 
• Failure to file your claim on time: If you fail to file your claim soon enough, your insurance company may deny it.
• Exclusions in your policy: If your policy doesn’t include certain forms of damage, your insurance company might deny your claim. It’s crucial to read your policy carefully to know what’s included and what’s not. 

What to Do If Your Claim Gets Denied 

When your insurance company denies your claim, first contact a reputable roofing contractor for an impartial roof inspection. Professional roofers will determine the intensity of the damage and identify the cause. They can determine the most appropriate repair method and estimate the related costs. 

If your roofer believes you have a valid case, you can file an appeal. Basically, you have to provide supporting documentation for your claim. This might include an inspection report from a reliable roofing company, photographs and videos of the roof damage, and other pertinent information.

Dealing with a roof claim can be overwhelming and frustrating. But by understanding the reasons for denial and employing the above strategies, you can increase your chances of receiving the coverage you deserve.