In the wake of a severe weather event, the prevalence and complexity of wind damage roof shingles rise to the forefront of homeowners’ concerns. Many Melbourne, Florida residents grapple with questions surrounding the resolution of insurance claims, such as the dispute between patching and replacing their wind-damaged shingles. As an associate attorney with a keen understanding of insurance claims, this article seeks to clarify, guide, and provide invaluable insights into this pertinent matter.
When dealing with wind damage roof shingles, the first course of action for homeowners in Melbourne, Florida, is to precisely comprehend their homeowners’ insurance provisions. According to Florida Statutes § 627.70131(5)(a), insurers must pay or deny claims or a portion of claims within 90 days of receiving notice of an “initial, reopened, or supplemental property insurance claim from a policyholder.”
However, a major point of contention arises when insurers offer to patch the damaged section of your roof, while you argue that complete replacement is necessary. Typically, the policy language that insurers refer to in such scenarios falls under the “Matching Regulation” or the “Reasonable Repairs” provision. The Former ensures a reasonable match between the repaired sections and the undamaged areas, while the latter stipulates that insurers need only pay for repairs which are helpful in bringing the damaged structure back to its pre-loss condition.
Understanding these policy provisions is paramount as they significantly influence the resolution of your claims over wind damage roof shingles. However, keep in mind that interpretation could vary based on each policy’s unique language and insurance laws applicable in Melbourne.
If you’re faced with a dispute over patching versus replacing your wind-damaged shingles, a nuanced understanding of the above-quoted Florida statute, the specific policy language, and a professional inspection of the wind damage become necessary. A professional roofing contractor’s evaluation can help determine whether a simple patch job would suffice or if the extent of the damage necessitates a full roof replacement.
Navigating these complex issues can feel overwhelming. However, you do not have to tackle these alone. Louis Law Group has a team of seasoned lawyers that specialize in insurance disputes over wind damage roof shingles, and who are conversant with Melbourne, Florida insurance laws. We stand ready to offer invaluable assistance, ensuring that your insurance company adheres to its obligations and provides a fair coverage for your claim, regardless of whether it entails patching or replacing the roof.
For any questions, don’t hesitate to contact us for a free consultation. We understand the intricacies of insurance claims, especially in relation to wind damage roof shingles – Resolving claims disputes over patching versus replacing wind-damaged shingles, a reality for many homeowners in Melbourne, Florida.
Your peace of mind and securing the compensation you deserve are of utmost importance to us. So don’t let the damage to your roof overwhelm you; allow Louis Law Group to guide you towards a speedy and fair resolution of your wind damage roof shingle claim. Reach out to us today and experience the difference.
