Roof Damage Insurance Claims Lawyer in 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.