Roof Damage Insurance Claims Lawyer in Florida
One thing both Florida homeowners and insurance companies can agree on is that roofs are one of the most important parts of a home. Roofs are designed to protect your home from the elements. However, when a roof is damaged, that protection can be compromised and lead to more significant issues. Because of this, many insurers are becoming more restrictive with roof coverage, and some won’t even cover your home if it has an older roof. These tighter restrictions can lead to coverage gaps and claim denials.
Roof damage can happen at any time and in many ways. Most common in Florida, severe winds from hurricanes could lift or remove your shingles all together, allowing rain to enter causing interior leaks and damage. A tree branch could fall onto your home, compromising the structure and integrity. Even a partial fire could result in roof damage. While these are losses that are typically covered under a Florida homeowners’ policy, there are circumstances where the insurance carrier may deny the claim. When this happens, it leaves Florida homeowners in a dire and dangerous situation.
Why You Need An Insurance Lawyer
Hiring an insurance attorney can be your best option whenever you find yourself needing to file a roof claim. Insurance policies are contracts and having an advocate who can interpret the policy language is imperative. With the help of an insurance litigation law firm like the Louis Law Group, the entire claim process can move faster. Our experienced and knowledgeable litigators will thoroughly assess your claim and advise you of the best way to handle it. With us, your roof damage claim process will be smooth and easy. Keep in mind, preventing further damage and documenting the damage is vital. According to the Insurance Information Institute, these are the steps to take after a roof loss:
- Prepare a list of damaged items. Photograph the damage, if you can.
- Make temporary repairs.
- Save receipts for what you spend on temporary repairs — document everything.
- If you must stay somewhere else, save receipts.
Contact the Louis Law Group
Are you struggling to reach a satisfactory roof claim resolution with your Florida insurance company or feel they have wrongfully denied your claim? Our team of roof damage claim experts may be able to help you take the next step. Contact us today, call (954) 676-4179 for a free consultation.
We help clients with roof damage property claims throughout Florida
Frequently Asked Questions (FAQs)
How do I know my roof was damaged by hail?
In any hailstorm, most of the hail that hits your roof may be too small to cause much damage. On the other hand, some of it may be large or oddly shaped, and that’s the kind of hail that can damage your roof. The damage may be readily apparent, or cause a leak that may lead to problems later on. It’s best to get your roof inspected right away to lean whether or not you need to file a claim. An insurance adjuster can assess the claim amount for hail damage.
Why did my Florida homeowner insurance company withhold depreciation?
There are usually a couple of reasons for this. The first is to make sure the work on your roof gets done. The second reason is that the insurer wants to ensure you pay the full deductible. Insurance companies retain a certain amount so they can adjust the final payout based on a roofing contractor’s invoice. This assures the insurance company that you will pay the deductible.
Why was my roofing damage Florida insurance claim denied?
Since roof damage is expensive, many insurance adjusters will look for ways to deny a claim. It’s crucial to understand your homeowner’s insurance policy, its limitations, and what your insurer could refuse to cover. There are many reasons why your claim might be denied, including:
- Your roof is extremely old. Companies reduce liability based on the roof’s age.
- Your roof is deficient. Your insurance may deny your claim if your roof already needs other necessary repairs.
- Your insurance may not cover certain materials.
- If the claim is cosmetic and not structural, your claim will be denied.
Knowing the limits of your insurance policy will help reduce the chances that your claim will be denied.