Depending on where you live, the average cost to repair a roof ranges anywhere from $5,000 to $50,000. Most homeowners don’t have this kind of money lying around, so chances are, you’ll rely on your homeowner’s insurance to cover the cost in the event your roof is damaged.
If you are wondering if a roof insurance claim is denied because of pre-existing damage – what to do now, then there is good news. Your home insurance carrier doesn’t have to have the last word. Even if your claim is undervalued or denied, you do have some options.
Here are some steps you need to take if it happens to you:
1. Contact an Attorney
Before you do anything else, contact an insurance claims attorney to review you insurance policy, denial letter, and claim details. In many cases, an attorney is less expensive than a public claims adjuster and has also has the legal experience to help in your fight against the insurance company lawyers.
An attorney is also the only one who can give you advice on what you should do next. Many insurance claims attorneys offer a free consultation, so it makes sense to find out if you have a case and explore your options for pursuing it.
2. Gather Evidence
Gather any documents/evidence that supports your roof insurance claim. For example, if your insurance company is falsely claiming that roof damage was caused by your negligence or a pre-existing deficiency, collect any evidence that supports your position, such as an inspection report, and give it to your attorney.
You purchased homeowners insurance so that you could have the assurance that sudden and catastrophic damage wouldn’t have to ruin your financial status. If your roof insurance claim was denied or underpaid, an experienced insurance claims attorney can help you get the money you need for your repairs.