Your roof is one of the most important parts of your home. It protects you and your family from the harsh elements of nature, such as rain, hail, and wind. Unfortunately, even the sturdiest roofs can get damaged beyond repair due to forces of nature. If you have home insurance, you expect to be covered for such damages. But what happens if your insurance company denies your claim? What do you do when your home insurance won’t pay for your new roof? In this blog post, we’ll explain what steps you can take in such a frustrating situation.
Review Your Insurance Policy
Before you can dispute your insurance company’s decision, you need to understand what’s in your policy. Review the terms and conditions, coverage limits, exclusions, and deductibles. Insurance policies can be complicated, so if you don’t understand something, ask your insurance agent to clarify. You can’t argue your position if you don’t have solid proof that your insurance company is unjustified in denying your claim.
Get a Second Opinion
If your insurance company denied your claim, get another opinion from a reputable roofing contractor. Hail damage is one of the most common reasons for needing a new roof, and it’s difficult to see from the ground. A trained eye can tell you whether your roof has been impacted by hail or wind. If the contractor agrees with you that the damage was caused by a covered peril, ask them to write a report and provide an estimated cost of the repair.
Hire The Texas Bulldog
If everything else fails, hire an attorney who specializes in insurance disputes. Adam Miller, The Texas Bulldog can help you negotiate with your insurance company, file a lawsuit if necessary, and represent you in court. Insurance companies often deny claims hoping that customers will give up or settle for a smaller amount than what they’re owed. Adam Miller can help you stand up for your rights and get the compensation you deserve under your policy.
Consider Changing Insurance Providers
If your insurance company denies too many claims, it might be time to look for a new provider. Check with your friends and neighbors and ask for referrals. Research companies online and compare their prices, coverage, and customer reviews. Make sure you understand what’s covered under the policy, how much you’ll have to pay out of pocket, and what’s the claim process like.
Dealing with a denied home insurance claim can be frustrating and stressful, especially when you need a new roof. However, it’s important to stay calm and understand your options. Review your policy, get a second opinion, and hire Adam Miller, The Texas Bulldog by calling 713-572-3333. During your free consultation he will tell you what steps to take can help you get the compensation you deserve and protect your home from further damages. Also please go here to download our free property damage eBook.
