Why Roof Claims Get Denied or Underpaid
Roofer List points to one reference in depth: Why Roof Claims Get Denied or Underpaid on the National Roofing Directory. Below is what it covers and where to read it in full.
Read Why Roof Claims Get Denied or Underpaid →The usual reasons claims fall short
Most roof claim denials come down to a handful of reasons: the damage looks like wear and tear rather than a storm, the loss was reported late, the documentation is thin, or the damage falls below the deductible.
- Photograph damage, with dates, as soon as it is safe.
- Ask for the denial or the estimate in writing, and read the policy language it cites.
- A supplement or a reinspection request can address items the adjuster missed.
What this reference covers
These are the sections of Why Roof Claims Get Denied or Underpaid on the National Roofing Directory.
- Category one: the loss is not a covered cause
- Category two: covered peril, excluded consequence
- Category three: the file, not the roof
- Category four: paid correctly, and still short
- Where the general rule breaks down
- Further reading from specialists
- Keep Reading
- Need a Contractor Who Knows This Detail?
From the reference
Sorting out which one you are looking at is the whole exercise, because the three have nothing in common. What follows is a plain description of the reasons that actually appear in decision letters, what each one means in construction terms, and where the line runs between a coverage question and a roofing question.
A licensed public adjuster at a bonded North Carolina firm that represents policyholders rather than insurers in the preparation and negotiation of property claims, with a practice weighted toward large storm, fire and commercial losses.
Excerpted from Why Roof Claims Get Denied or Underpaid on the National Roofing Directory. Read the full reference for the complete treatment.