Extreme weather events can damage your roof. And in such a case, it’ll give you relief to have a home insurance policy that will cover your roof repair or replacement expenses. Nevertheless, filing a roof claim can sometimes be tricky. Your insurance company can reject your claim for various reasons, so make sure to review your policy before submitting a claim.
In this post, a trusted roof replacement expert lists the most common reasons why roof claims get denied.
Home insurance policies typically have a coverage limit. You may not get an outright denial for your claim, but you may only receive the amount that your coverage allows. Make sure to check your policy or consult your insurance agent to know your coverage limit.
If your roof is already near the end of its expected lifespan, it would be difficult to get your insurance claim approved. Insurance companies often reject claims for roofs that are halfway to the end of their life. However, in some cases of hail or wind damage, it’s possible for insurers to approve a claim. Make sure to hire a roofing contractor to inspect your roof after a storm.
Your existing insurance policy will not cover your roof if it was damaged before under a previous policy. This is because the new damage could be the result of the old damage, which wasn’t fixed properly or was neglected.
Normal Wear and Tear
Roof manufacturers have an estimated lifespan for their roofing systems. Over time, your roof will deteriorate due to age or normal wear, making it susceptible to storm damage. Because your roof is already compromised due to its age, insurance companies may reject your roof claim.
Summit Roofing & Restoration, Inc. is a trusted roof repair and replacement company. We’re a GAF Master Elite® Roofing Contractor with several years of experience. Call us at (731) 589-7663 (Dyersburg), (901) 430-1974 (Atoka) or (870) 736-7663 (Paragould). Alternatively, you can use this contact form to schedule a free consultation.