Roofing Insurance Claim Denied in Florida: What to Do Next

Having your roofing insurance claim denied in Florida can be a stressful and overwhelming experience, especially after a severe weather event like a hurricane, tornado, or hailstorm. However, it's important not to lose hope. There are steps you can take to challenge the denial and increase your chances of getting the coverage you need to repair or replace your damaged roof.

Understand the Reason for Denial

The first step is to carefully review the denial letter from your insurance company. It should explain the specific reasons why your claim was denied. Common reasons for denial include:

• Lack of coverage for the type of damage sustained
• Damage deemed to be caused by normal wear and tear
• Failure to properly maintain the roof
• Missed deadlines or incomplete paperwork

Knowing the exact reason for the denial will help you determine the best course of action.

Review Your Policy

Next, thoroughly review your homeowner's insurance policy to understand the coverage you have and the exclusions that apply. Pay close attention to the sections related to roof damage and the requirements for filing a claim. If you believe the denial contradicts the terms of your policy, you may have grounds for an appeal.

Document Everything

Gather and organize all relevant documentation related to your roof and the damage it sustained. This may include:

• Photos or videos of the damage
• Receipts for any temporary repairs or mitigation efforts
• Inspection reports from a licensed roofing contractor
• Correspondence with your insurance company

Having a well-documented record can strengthen your case and provide evidence to support your appeal.

Hire a Public Adjuster

Consider hiring a public adjuster to represent your interests and negotiate with the insurance company on your behalf. Public adjusters are professionals who work for you, not the insurance company, and can help ensure you receive a fair settlement. They have extensive knowledge of insurance policies and claims processes, and can identify any overlooked or undervalued damages.

File an Appeal

If you believe your claim was wrongfully denied, file an appeal with your insurance company. Follow their appeals process carefully and provide any additional documentation or evidence to support your case. Be persistent and follow up regularly to ensure your appeal is being properly reviewed.

Seek Legal Assistance

If your appeal is unsuccessful and you still believe your claim was wrongfully denied, you may want to consult with an attorney specializing in insurance claims and bad faith practices. They can advise you on your legal options and represent you in negotiations or potential litigation against the insurance company.

At My Florida Roofing Contractor, we understand the challenges homeowners face when dealing with denied roofing insurance claims. Our team of experienced professionals is here to guide you through the process and ensure your rights are protected. Contact us today for a free consultation and let us help you get the coverage you deserve.