The extent of the damage and the type of roof and shingle materials will determine whether repairs or replacements are necessary. A reputable roofing contractor can provide an estimate for repairs or replacement based on the damage.
It depends on what the siding material is. Cracks are a telltale sign of siding damage but discoloration, dents, and missing pieces may be signs of siding damage.
Generally, a home’s siding should last for several decades. Damage from covered perils cuts siding’s longevity short, and is often grounds for replacement.
“Bad faith,” in legal terms, simply means any kind of dishonesty or fraud. Specifically, it applies to intentional acts that have real legal and financial consequences.
If your claim is denied, don’t give up. First, you can file an appeal with your insurance company. Second, you can hire bad faith insurance attorneys to assist you with the appeals process and any subsequent lawsuits that may be required in the future.
While not all instances can be prevented, routine maintenance, regular inspections, and proper waste disposal can help minimize the risks.
No, insurance companies differentiate between various types of water damage claims, such as those caused by backups, overflows, leaks, or weather events.
Yes, insurance companies may deny claims if the cause of the damage is not covered by your policy or if they determine negligence on your part.
A first-party claim is when you file a claim with your own insurance company if something happens to your property. A third-party claim is when you file a claim with someone else’s insurance company if their negligence or actions led to the damage.
If the fallen tree did not cause any property damage, it is unlikely that your homeowners insurance will cover debris removal costs. However, if the tree blocks a driveway, the insurance may help cover its removal costs.