Your roofing insurance claims can be denied for 5 common reasons. Let Watkins Construction & Roofing help you stay in the know. A few things are more stressful than getting your roof insurance claim denied. As a homeowner, you know the importance of a resilient and well-maintained roof for the safety of your cherished home and loved ones. However, filing your roof insurance claim can be daunting and complex in the event of roof damage.
With that in mind, we have listed some of the most common behind the denial of roof insurance claims. We hope you can take the necessary successful claim by understanding these pitfalls to ensure a suc. So, without further ado, let’s delve into these reasons so that you can avoid any unnecessary claim denials.
Your Roofing Insurance Can Be Denied for 5 Common Reasons
1. Aging, Regular, Wear And Tear, or Any Pre-Existing Damage
The fact is that most roofing policies are designed to provide coverage for sudden and unforeseen damages. This means they may not cover any issues resulting from inadequate maintenance or neglect. Unfortunately, if your adjuster finds evidence that the damage existed before you took the policy or was caused by the natural aging process, they may deny your claim.
Therefore, make sure to regularly check your roof to prevent any pre-existing damage from occurring. You can support your claim by documenting your ongoing maintenance efforts, if ever required. Remember, properly maintaining your roof will strengthen your case for future damages.
2. Inadequate or Incorrect Coverage
To scrutinize your insurance policy, a responsible homeowner should make sure to read your insurance policy carefully. This simple step can help determine if it offers suitable protection for your roof’s specific type and future risks.
We strongly advise you to review your policy alongside an insurance agent to avoid any setbacks. This will help you understand the exact amount of coverage and any exclusion that might hinder your claims. If you discover insufficient coverage, do not hesitate to consider bolstering your policy with additional coverage.
3. Delay in Filing the Claim
Every insurance company has some strict deadlines for claim submission, and failure to follow these timelines can result in the denial of your claim. So, acting quickly when you notice any roof damage is essential. Do not delay; immediately, contact your insurance provider and an experienced roofing contractor to file your claim and ensure a smooth and successful claims process.
4. Inaccurate or Incomplete Documentation
All your documents should be in perfect order for fast and hassle-free insurance claim approval. You must provide sufficient and accurate evidence to support your insurance claim. Inadequate documentation is one of the most common reasons behind insurance claim denials. To avoid this, take the time to document your roofing damage thoroughly. This includes taking detailed photographs and videos of the damaged areas, collecting all the receipts for repair work, and maintaining a comprehensive record of all communication with the insurance provider.
5. Failing to Stop Further Damage
When your roof sustains any damage from a storm or any other weather event, it is your responsibility to take necessary action to stop further damage. Failure to do so may result in your insurance claim being denied. You can take several protective measures to prevent further damage to your property, such as covering damaged areas with tarps or conducting emergency repairs. Keep detailed records of every repair work you undertake. This can include receipts for labor costs and materials.
Get In Touch With the Leading Roofing and Insurance Experts
If you’re inexperienced, the insurance process for roofing damage can be complex and overwhelming. This is where Watkins Construction & Roofing, a trusted and reputable regional roofing contractor, can help you. We will handle the claims and restore your roofing system to its original condition, without breaking the bank. For more information, you can reach Watkins Construction & Roofing at 601-488-3179. We service areas in Jackson, Flowood, Clinton, and Ridgeland, MS.