If you are a Florida resident who recently had your roof damage claim denied, we know how frustrating and disheartening this can be. Whether the insurance adjuster didn’t assess the full extent of damage or feel there was enough evidence to approve it, a rejected claim is not something you should have to deal with alone.

That’s why we’re here to help – read on to learn more about what steps you can take after being denied coverage and how our experienced team of experts at Herman & Wells can provide assistance for filing a successful appeal!

A Floridian involved in a motorcycle accident fills out their injury claim form.

The Cliff Notes: Key Takeaways From This Post

  • 1
    If your insurance company has wrongfully denied or delayed payment on your roof damage claim, you may have a legal basis for filing a lawsuit.
  • 2
    The burden of proof is on you as the claimant – so it’s important to collect evidence that supports your version of events and establishes the extent of the damage (including photos and written estimates from qualified roofers).
  • 3
    Obtain expert opinions from a qualified engineer as to the cause of damage. – Remember that there is a two-year statute of limitations for filing roof damage claims in Florida – so it’s important to take action quickly.
  • 4
    At Herman & Wells, we offer free initial consultations for anyone who has had their roof damage claim denied. Our experienced attorneys will review every aspect of your claim and help you to understand the best approach for moving forward. Contact us today!

Understanding Denied Roof Damage Claims In Florida

When it comes to roof damage, denial of a claim is one of the most common issues faced by Florida homeowners. In order for a claim to be approved, the insurance company must assess that there has been valid and verifiable damage caused by an insurable event – such as wind, hail, fire, or other types of natural disasters. Claims can be denied due to numerous reasons, including pre-existing damage, inadequate maintenance, or policy exclusions.

Generally speaking, denial of a roof damage claim can be due to:

Pre-existing Damage

This is when the damages sustained were already present on the roof prior to the insurance policy taking effect.

Inadequate Maintenance

While it may not seem like a valid reason to deny coverage, inadequate maintenance is often cited as the cause of damage. This includes not getting regular inspections or making necessary repairs in a timely manner.

Policy Exclusions

These are specific items excluded from coverage on an insurance policy, such as wear and tear from age or lack of upkeep.

Reviewing Your Insurance Policy And Claim Documentation

For Floridians whose roofs have been damaged, it’s important to review your insurance policy and claim documentation thoroughly if your claim is denied. When reviewing your policy, focus on provisions, coverages, and exclusions that are relevant to your particular situation.

Organizing the necessary documents can be a difficult task, so here are some tips that may help:

Collect Documents

Collect all documents related to your insurance policy and claim, such as bills, estimates for repair costs, photographs of the damage, etc.

Make Copies

Make copies of all documents that you will be sending to the insurer so that you have a backup in case they are lost or destroyed.

Gather More Evidence

Gather any additional evidence that might help strengthen your case, such as reports from inspectors or contractors who observed the roof damage.

Write To Your Insurer

When writing a letter to the insurer, make sure that you clearly state why you believe the claim should be paid and provide any supporting evidence that will strengthen your position.

By thoroughly reviewing your insurance policy and claim documentation in response to a