The Boca Raton, Florida roof damage claim lawyers at Bernstein Polsky may be able to help you if your roof damage claim was denied. Roof damage claims can be denied for many reasons. Sometimes insurance companies explicitly exclude certain types of claims and sometimes insurance adjusters may claim that the specific type of damage your roof sustained is excluded from coverage. A Boca Raton, Florida roof damage insurance adjuster at Bernstein Polsky can review your claim, review the documentation you provided to your insurance company, including proof of loss statements, look over your homeowner’s insurance policy and its fine print, negotiate with insurance companies to help you get the settlement you may deserve, and fight for your rights either inside or outside of court.
Why Roof Damage Claims Get Denied
If your roof was damaged, you may be facing costly repairs. If your homeowner’s insurance company denied your claim, you could be facing unexpected expenses. If the thought of sudden out of pocket costs makes you queasy, you are not alone, and a Boca Raton, Florida roof damage claim lawyer at Bernstein Polsky may be able to help you. You have the right to appeal a denied homeowner’s claim. Here are some reasons why roof damage claims are denied and some ways you may be able to appeal these denials:
- Roof Too Old. If your roof is old, your homeowner’s insurance company may deny your claim because of wear and tear. New laws were just recently enacted regarding roof repairs in Florida that can be limiting and complex to understand. Insurance doesn’t cover routine repairs to your roof but may cover damages to the interior of your home caused by routine leaks and wear and tear, dependent upon your insurance policy. If your insurance company determines that you are making a claim beyond the reasonable lifespan of your roof, then insurance adjusters may deny your claim, or take depreciation into account when settling your claim. The lifespan of your roof will depend on the materials you used for roofing. For example, asphalt shingles typically have a lifespan of anywhere from 15 to 30 years, depending on climate and weather. A metal roof can last between 30 and 70 years. Wooden roofs can last around 30 years. Clay tile roofs can last anywhere between 50 to 100 years. As you can see, the typical lifespan of these different roofing types can vary widely. If your insurance adjuster claims that your roof is too old to be covered or is taking a high depreciation out of your settlement, you may want to speak to the Boca Raton, Florida roof damage insurance lawyers at Bernstein Polsky to understand your options under the law.
- Some types of insurance policies may deny a claim because your roof was made from excluded materials. If your roof damage claim was denied, Bernstein Polsky is a roof damage claim law firm in Boca Raton, Florida that may be able to help you with your claim.
- Coverage Only for Partial Repair. If only a section of your roof was damaged, your insurance company may only cover costs to repair that section. The only way to get a full repair is to show that damage to one section of your roof compromised the structural integrity of the whole roof. This may require additional evaluations or a request for a second adjustment. If you believe your roof should be completely repaired, but your insurance company is only covering a partial repair, the roof damage claim lawyers in Boca Raton, Florida at Bernstein Polsky may be able to help you fight the denial or underpayment.
- If your insurance adjuster thinks that the damage to your roof is solely cosmetic damage and the damage doesn’t affect structural integrity or won’t result in leaks, your claim could potentially be denied. In this case, you may need to get a professional assessment, or have a neutral party assess the state of your roof. The roof damage insurance lawyers in Boca Raton, Florida at Bernstein Polsky can review your situation and help you take steps if your roof damage claim was denied.
These are just some of the reasons why roof damage claims might be denied. If your claim was denied, you have the right to appeal. The Boca Raton, Florida roof damage insurance lawyers at Bernstein Polsky may be able to help you. Reach out to our attorneys today.
Submitting Documentation to Support a Roof Damage Claim in Boca Raton, Florida
The cause of your roof damage will be an important factor in determining whether your roof damage claim is approved or denied. When you submit your proof of loss statements, it is important to be through and clear. Your insurance adjuster will want to know how old the roof is, what materials it is made from, and what caused the damage. You may need to provide proof of the last time you repaired or re-did your roof, information about the materials used, and photos of damage to your roof. Your insurance adjuster will want to know whether the damage might have been due to wear and tear, or due to a sudden event like a fallen tree branch or storm. Proof of such an event can be helpful in this case—for example a photo of the tree branch on your roof, or other evidence of storm damage.
A roof damage claim lawyer in Boca Raton, Florida at Bernstein Polsky can look at the information you provided to your insurance company in your proof of loss statement. If documentation is missing or more information needs to be provided, our roof damage claims lawyers can help you supply clearer documentation to your insurance adjuster so that you can receive the fair settlement you may deserve under the law. Contact our roof damage insurance lawyers in Boca Raton, Florida at Bernstein Polsky today.
Appealing a Denied Roof Damage Claim in Boca Raton, Florida?
The process of appealing a denied roof damage claim in Boca Raton, Florida can be stressful. You don’t have to do it alone. The Boca Raton, Florida roof damage claim lawyers at Bernstein Polsky may be able to help you. We can negotiate with insurance adjusters. Ask for a second look. Review your policy’s fine print to make sure that your claim isn’t being denied in bad faith, and help you submit clear proof of loss statements to help you get the full claim you might be entitled to receive under the law. If your roof damage claim has been denied, you have rights. Reach out to the roof damage insurance lawyers in Boca Raton, Florida at Bernstein Polsky today.