Why Home insurance clubs Deny Roof Claims

Insurance - Why Home insurance clubs Deny Roof Claims

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In the past few years homeowner's assurance customers have been fighting a growing battle with assurance fellowships over roof claims. The trend has been an increasing estimate of roof claims that are being denied by the assurance carriers. Roof claims are usually the most tasteless and most precious home loss an assurance enterprise will face beyond a total fire loss or liability claim. Depending on the state in which you live the likelihood of your roof being damaged by weather can vary dramatically. A state like Oklahoma which is prone to hail and wind will have much more occurrences of roof damage than a state like Arizona. Why are assurance fellowships denying roof claims and how can you make sure your roof will be covered?

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First you have to understand what a home assurance policy covers and what is excluded. Not all policies are the same but there are similarities that are shared among the major carriers. Your home policy will state what is excluded but rarely will state what is covered. This is because the enterprise doesn't want to list every inherent scenario rather listing the situations that are not covered and leave the rest to assume it is covered. A roof can be damaged by a estimate of factors together with but not little to wind, hail, sun, failing objects, and snow. Not all of these occurrences are covered like sun damage which is ordinarily a wear and tear issue over many years.

There are many reasons why an assurance enterprise will deny a roof claim including:

Roof damage appears to be from wear and tear Lack of maintenance Not sufficient damage or damage is covered by roof warranty Fraudulent claim Damage is caused by an excluded loss

There are other reasons why your claim may be denied which are seldom talked about. The adjuster's experience has a lot to do with how well they can determine what created the damage. Most adjuster's go through training but years of experience will always furnish great results. When you file the claim can also have an impact on how the claim will be handled.

If the hail storm occurred six months ago it could be difficult for an adjuster to determine what the actual cause of the damage was from. usually in large storms the introductory adjuster on scene is from another state and will not likely be there if a claim is filed months after. When you have an adjuster come out who is unfamiliar with the path of the storm your claim could be denied.

In some situations assurance fellowships are acting only in the best case of the enterprise which can lead to improper claim adjusting. There are reported cases of management giving bonuses to adjusters who only approve a inescapable division of claims and cases where people have been fired for accepting too many claims. If you feel your claim is not handled properly then hiring legal counsel may be your best move but I am not here to furnish legal advice.

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