North Miami Beach Roof Damage Property Claim Lawyer
Repairing or replacing a roof can be expensive, which is why you need homeowner’s insurance. However, even if a homeowner has insurance, many insurance companies will reject roof damage claims. There are many reasons why this can happen, but typically it will be for one of the following reasons:
- Poor maintenance – Lax or improper roof maintenance is probably the most common mistake made by property owners in North Miami Beach. If the homeowner fails to keep the roof in good repair, the insurance company can claim that the roof damage was due to a lack of maintenance. You must do things like remove moss and debris from the roof and ensure your gutters are clean and firmly attached.
- Exclusions – Read every word of your insurance policy or get your insurer to explain to you in detail, so you know what is and isn’t covered by your policy. You don’t want to discover that hurricane damage is not covered after a hurricane has damaged your roof.
- Not enough coverage – When you insure your property, you assign a value to it. If your assign a value lower than what it’s actually worth in order to keep your monthly insurance premiums down, you may find after an accident that you don’t have enough funds to replace your roof.
- Late filing of a claim – Late filing is another common reason why insurers might deny your roof damage claim. If you wait too long before filing your claim, the insurer may deem it to be outside of their statute of limitations.
To ensure your claim in North Miami Beach won’t be denied, read the fine print in your policy. Make sure you revise the value of your property noted in your policy if you do renovations or make any additions. Create an inventory of your possessions and take photographs or a video to document the structure and its contents. This will allow you to provide before-and-after photos if, after an accident, your insurer needs you to prove the extent of your losses.
Why You Need an Insurance Lawyer
If your roof damage claim is denied, you should hire a lawyer in North Miami Beach to help you file your claim. Roof damage claims can be extremely complicated, and an experienced North Miami Beach roof damage claim lawyer will help you submit your claim the right way and get the entire claim process moving faster. They’ll advise you on the best way to handle the claim and ensure that everything runs smoothly.
Contact Louis Law Group
If your roof is damaged and you need compensation from your insurer to fix it, a lawyer in North Miami Beach who has vast experience in dealing with roof damage claims will prove invaluable. Louis Law Group will provide you with a lawyer who knows the insurance industry inside out and is dedicated to getting your claim settled quickly and efficiently. If you need to deal with your insurance company, we’re the firm to contact if you want to get the compensation you’re owed. Click here to learn more about us or call (954) 676-4179 to book a free consultation.
Frequently Asked Questions
Do I need to use a contractor appointed by my insurer?
No, you do not. You’re entitled to choose the contractor you’d like to work with, as long as their cost estimates are accurate and they are a reputable company. A good lawyer with experience in roof damage property claims will negotiate and resolve any differences in repair estimates with your insurance company, which is obligated to make a reasonable settlement offer.
What are the critical deadlines?
Deadlines vary from company to company. Some need an executed Proof of Loss to be submitted within 60 days of the loss, and others count the 60 days from the time the policyholder submitted the request. Check your policy or consult a North Miami Beach roof damage lawyer to make sure you don’t miss any deadlines and compromise the settlement of your claim.