If your roof suffered damage to a storm, one of the first things you must do is to notify your insurance company and file a claim. However, for various reasons, some claims get denied.
Here are some of the most common reasons roof insurance claims are rejected.
You may not receive an outright denial if you file a claim for roof damage that exceeds your coverage limit. This number, however, limits the amount that you’ll get.
If your roof is too old, it’s likely that your claim will be declined. Companies typically do not cover roofing systems over 15 to 20 years old. But if the damage was caused by wind or hail, your claim might still be approved even if your roof is past its prime. Regardless of the age of your roofing system, reputable contractors should inspect it to verify its condition. They can also assist you in filing an insurance claim.
In many parts of the country, it’s uncommon for 30 years to go by without a storm causing enough damage to warrant a roof replacement under a homeowners insurance policy. That said, your current home insurance policy will not cover damage that occurred under a previous policy. So, if a combination of old and new damage caused your roof to fail, your insurance company may deny your claim based on the fact that the previous damage is the primary source of the problem.
Wear and Tear
While modern roofing materials last longer and can withstand harsh weather, they will still degrade over time. This deterioration is not covered under a standard home insurance policy, so you should prepare your roof replacement budget in this case.
Pritchett Bros uses only the best products for every roofing project, such as GAF systems. If you’re planning to replace your roof soon, we can help ensure a smooth-sailing process. To schedule a consultation, call us at (812) 275-3185, or fill out our online form. We serve clients in Bedford, Bloomington and other nearby areas