The roof of your home is the most expensive structural component thereof. In fact, it is estimated that the average American homeowner spends about $800 per year on their roof, just to keep it in good shape. The roof is one of the largest single consumers of energy in any home. Most homeowners carry roof insurance. They hope it will pay for repairs or replacement costs if anything should happen to their house. However, few realize their homeowner’s policy does not cover damage caused by weather conditions like tornadoes, hurricanes and earthquakes.
In fact, it is estimated that a new roof saves approximately $3,500 per year in heating and cooling costs. That’s why it is important to insure your roof against the harsh elements. At Roof Savers, we offer the most comprehensive line of residential roof insurance products available anywhere. We have been providing quality roofing services to homeowners throughout California for over 25 years.
If your house was recently built, there’s a good chance your roof is not covered by your homeowner’s insurance. But, it’s easy and inexpensive to add roof coverage to your policy and it can really pay off! Just ask anyone who has recently had their roof repaired or replaced how nice it would be if they didn’t have to pay for it again.
That’s why Roof insurance is very essential to every homeowner!
What to do if insurance denied roof claim? Read this scenario below.
The dreaded “deny” letter. Most of us have received at least one, if not several, in our lives. The letter begins with a friendly sounding sentence that sets the stage for what is to come. “We are writing to inform you that your application for roof insurance has been denied.” Or, “We are writing to deny your claim.” Or, “We are denying your request for coverage.” Then, after a few more words, the fun begins. “It has been determined that you do not qualify for coverage under this policy.” Or, “It is our decision to deny your claim.” Or, “The facts as we have been given do not support your claim.” And so on.
You need to write the best sales message you can to get this claim approved. Do not write an appeal. Instead, you must provide specific proof of why you are entitled to this money. It’s easy to generalize but, it’s much more effective to give specifics. For example, you could say: “I’ve always paid my bills on time”, or “I’ve never missed a payment on my homeowner’s insurance in the last ten years”, or “My home is a two-story, brick house and I am the primary breadwinner in my family. My wife and I have three young children and if something should happen to me, they would be financially devastated”. Etc., etc.
Denied claims are a fact of life for almost every homeowner who has insurance. Unfortunately, most homeowners aren’t prepared for a denied claim. What to do if insurance denied roof claim made them confused. They don’t know what to do and they panic. This usually leads to a major reduction in coverage and/or a lapse in protection. This can put a home and its contents at risk. What should you do if your roof insurance claim is ever denied? What are some of the things you should consider?
Many people who own their homes have “concierge level” coverage. This means that in the event of a total loss, they only have to give notice to their insurer, and then they can start cleaning up and making repairs, without having to wait around for a response. In some cases, this can save owners thousands and thousands of dollars.
What to do if insurance denied roof claim?
This is a “killer” topic. Many people don’t know what to do when their insurance denies a valid roof claim. In fact, many people never even bother to ask for an appeal because they don’t think it will do any good. This is such a common problem; it has its own name: “The Roof Law.” I’ve helped thousands of people with this problem. If you have a valid claim and your insurance company denies it, you need to know about
Denied? Don’t give up. Most often, an insurance adjuster just doesn’t understand how a “normal” house fire can cause so much damage. Keep sending them printouts and keep explaining your situation over and over. Don’t let the jerk get away with denying your claim. If you have homeowner’s insurance, there is something called…The Right to Appeal!
Insurance companies are under so much financial pressure today they will often deny claims without even talking with the claimant. Denials happen for a dozen different reasons… and often, the simple solution is to just pay the deductible and get it over with. But, that doesn’t solve the problem for the policy holder who has a valid claim and is being wronged.
Insurance companies are under so much financial pressure today they will often deny claims without even talking with the claimant. Denials happen for a dozen different reasons… and often, the simple solution is to just pay the deductible and get it over with. But, that doesn’t solve the problem for the policy holder who has a valid claim and is being wronged.
In this case, you need to take action. You must insist your insurance company gives your claim the attention it deserves!
In this case, you need to take action. You must insist your insurance company gives your claim the attention it deserves.