Model of house and folder with home insurance.

Don’t despair if your roof claim is denied

The process of processing a claim

Filing an insurance claim can be a lengthy and frustrating process, especially if your claim is denied. If you’re wondering why your roof claim was denied, here are a few reasons it might have happened:

-You didn’t meet the requirements: Some claims require that you take certain steps before or after the damage occurs in order for the claim to be valid. For example, you may need to get multiple estimates or get repairs done within a certain time frame.

When the insurer denies your claim

It can be disheartening and feel like a personal attack when your roof claim is denied, but there are usually reasons behind the decision. The most common one is that the damage isn’t covered by your policy. It could also be that you didn’t file the claim correctly, or that the insurer thinks you caused the damage yourself. If you’re not sure why your claim was denied, ask the insurer for a detailed explanation in writing. You can also appeal the decision if you think it was made in error.

Insurance companies are private businesses, so they’re free to say no. If they don’t want to pay out on a claim, they don’t have to

It’s important to remember that insurance companies are private businesses, so they’re free to say no to a claim. If they don’t want to pay out, there could be a number of reasons why.

The most common reason for a denial is that the damage isn’t covered by the policy.

If the damage is covered by the policy but the insurance company still denies the claim, they may think the repairs will cost less than your deductible. That’s their way of saving money on their end while still making the customer happy in some capacity. You’ll just need to contact them to discuss settlement options. They may also deny a claim because they deem the repair work to be outside an area where they provide coverage or because you haven’t given them enough time to investigate your claim yet. Be patient and follow up with them regularly so that when you finally do get word from them, you’ll know what needs done next.

What should I do next?

If your homeowner’s insurance policy denies your roof damage claim, don’t despair.

First, take a look at the denial letter and see if there is an explanation of why your claim was denied. If so, review that information and see if there is anything you can do to address the issue. For example, if your policy has a cap on coverage for roofs, you may be able to get additional coverage through a rider or by switching to a different policy. Your policy might also only cover certain types of damage, such as water leaks but not wind-related damage.

If you’re still having trouble with your homeowner’s insurance company after reviewing the denial letter, call their customer service line and ask them to explain their reasoning again. You may need to negotiate with them to reach a resolution.

What are my rights?

You have the right to file a claim with your insurance company for any damage that occurs to your home.  One option is to ask your insurance agent for an explanation as to why the claim was denied.

How long does an insurance company have to pay out?

Most insurance companies have a time limit of two years from the date of loss to pay out on a claim, but this can vary depending on your policy and state law. If your insurer denies your claim, it’s important to find out why.

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