Long Nguyen | author
ICHQ | Site Author
While your home’s roof is one of the most important structures for protecting your property, insurance companies can deny claims for roofing damage. This leaves homeowners to bear the brunt of the expenses.
Why would an insurer deny a valid roofing claim? Below our attorneys share some common reasons why an insurer may deny a roofing claim, and what you can do if you suspect that the claim was refused in bad faith.
Common Reasons Insurance Companies Deny Roof Claims
One common reason why insurance companies deny a roofing claim is improper maintenance. If your insurance company argues that you did not take reasonable measures to maintain your roof, they may deny your claim.
All roofs will eventually exhibit signs of wear and tear over time, but if the insurance company determines that the damage was caused by normal aging, they may also deny your claim.
Additionally, if your roof had pre-existing damage, your insurance provider may deny your claim on the grounds that the damage did not result from a covered incident.
Is Your Roof Claim Denied in Bad Faith?
Apart from the reasons listed above, insurance companies may deny roofing claims in bad faith. This means that the insurance company denies a valid claim to avoid paying the homeowner the full amount owed. Some of the bad faith insurance company practices include:
- Delaying the claim procedure: Insurance companies may prolong the claim procedure for an unreasonable length of time in the hope that the policyholder will give up and pay for the repairs out of pocket.
- Offering unfair settlements: Insurance companies may offer a settlement that is significantly lower than the actual cost of the repairs in the hope that the homeowner will accept the offer to avoid the hassle of further negotiations. Insurance firms may also misrepresent the terms of the policy to the homeowner, giving the impression that the damage is not covered when it is.
How to Proceed If Your Roofing Claim Is Refused
If your roofing claim has been rejected, don’t give up. You can fight back against the insurance company’s decision by taking certain measures.
First, review your policy to ensure that the denial is not due to a misunderstanding of the terms.
If you suspect that the claim was denied in bad faith, you should contact an expert insurance bad faith attorney who can help you evaluate your legal options.
Contact Us at Insurance Claim HQ
If you suspect that your roofing claim was refused in bad faith, don’t hesitate to contact an experienced insurance bad faith attorney. At Insurance Claim HQ, our team of attorneys is experienced in fighting back against the insurance company’s harmful practices and obtaining the proper compensation for your roof damage.
Our attorneys will review your case and help you understand your legal options. We will also represent you in negotiations with the insurance company and, if necessary, file a lawsuit on your behalf. Contact us today to begin.