Your storm damage claim can get rejected even if it’s clear that your local area suffered severe damage during a storm. This happens for various reasons, and it helps to know what these are so you can avoid the same result.
Here’s why insurers reject some storm damage claims.
You must know the coverage and deductibles from your policy. Understand what costs are added and avoid paying more than necessary. Check your insurance policy’s terms and conditions to learn more about your deductibles.
If you file a claim for storm damage that exceeds your coverage limit, you will only get the amount up to the coverage limit. Your insurance policy specifies its coverage limit in its terms and conditions. That said, check your terms and conditions to prepare your finances for additional expenses. You can also opt for an insurance policy with higher coverage to ensure your entire repair or replacement covers will be covered even if your roof sustains severe damage.
Insurance policies only cover specific situations enumerated in your policy’s inclusions and exclusions. Examine the exclusions to identify the types of damage that your insurance won’t cover. For example, wear and tear that exacerbated the storm damage is a typical exclusion among home insurance policies.
Insurers typically reject storm damage claims for roofs that are old or near the end of their expected lifespan. However, it’s possible to receive benefits if you have regularly maintained your roof and have documentation of its maintenance to back your claim. Consult your insurance agent to help you decide whether it’s still worth filing a claim.
Insurers may reject claims if the storm damage occurred due to poor roof installation or material defects. In this case, the liable party is the roofing manufacturer or contractor. If your roof is still under warranty, the roofing manufacturer or contractor must be the one to cover the damage.