When you finally find the home you’ve been dreaming of, the last thing you want to worry about is the roof falling in. But if your roof does need repairs and your insurance company denies your claim, what do you do next? Keep reading for expert tips on how to handle an insurance company denial, including helpful advice on getting in touch with your agent or even switching companies in order to get coverage for the repairs you need.
Call an expert
After a storm, it’s not uncommon for homeowners to find that their insurance company has denied their roof claim. If this happens to you, don’t despair. The first thing you should do is call a roofing expert. They will come out and inspect your roof and give you an estimate of the cost of repairs. You can then contact your insurance company with the estimate and request payment on your policy if they still deny the claim.
Rebuild your roof right away
If your roof is damaged, it’s important to rebuild it right away. A damaged roof can lead to water damage, which can be expensive to repair. Plus, a damaged roof can make your home more susceptible to burglaries. If your insurance company denies your claim, you may have to pay for the repairs out of pocket. However, there are a few things you can do to appeal the decision. First, make sure you have all the documentation and photos you need. Then, write a letter explaining why you believe your claim should be approved. Finally, send your appeal directly to the insurance company’s claims department.
Talk to neighbors, friends and relatives
After your insurance company denies your roof claim, it can be tempting to give up. But before you do, take some time to talk to your neighbors, friends and relatives. You may be surprised to find out that you’re not the only one with this problem. In fact, you may even find out that there are some people who have had their claims denied more than once. By talking to others, you can get a better idea of what your next steps should be. If many people in your area have had their claims denied, then you may want to consider hiring an attorney or filing a lawsuit against the insurance company. On the other hand, if few other people in your area have experienced problems like yours, then consider writing down all of the information about your situation (including dates and times) so that you can bring it up during negotiations with an agent at another insurance company.
Hire local contractors
After your insurance company denies your roof claim, you may feel like you’re out of options. But there is still hope! You can hire local contractors to help you with the repairs. Here’s how to find a reputable contractor in your area:
-Search for reviews on Yelp and Angie’s List.
-Check references from previous clients.
-Talk to people in your neighborhood who have hired contractors recently.
-Find someone who has a good reputation and ask them for referrals if they don’t take on jobs in your area.
Insist on getting everything in writing
If your insurance company denies your roof claim, the first thing you should do is insist on getting everything in writing. This way, you will have a paper trail of what happened and can use it to appeal the decision. In some cases, the insurance company may be denying claims that are legitimate because they are understaffed or underfunded. It’s worth having them come out for an inspection again if you think this might be the case.
Document all communications with the insurance companies
This will include any letters or phone calls. Keep a running list of dates, what was said, and by whom. This will be important if you need to take legal action later on. Also keep copies of any documents that were sent to them for review. For example, receipts for labor and materials used in repairs, photos showing damage caused by storm, etc. They may also ask for a third-party contractor’s report. It’s better to give them the info they want ahead of time so they don’t delay reviewing your case unnecessarily. Once they have reviewed your case and make their decision based on that information, they’ll tell you in writing what their decision is (denial or approval).
Contact your state Attorney General’s office
Your state’s Attorney General’s office can help you if you have a problem with your insurance company. You can file a complaint against your insurance company with the Attorney General’s office. The Attorney General’s office will investigate your complaint and try to resolve the problem. If the Attorney General’s office cannot resolve the problem, you may be able to take your case to court.
Other considerations
In order to get your roofing claim approved, you will need to provide the insurance company with proof of the damage. This can be in the form of photos, receipts, or an estimate from a professional. You should also make sure that you have all of the necessary paperwork from the initial purchase of your policy. If you have any questions, it is best to contact a lawyer who specializes in insurance claims. They may be able to help you navigate the process and find out what options are available for pursuing a claim.
