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Overcoming Residential Roof Replacement Insurance Claim Rejection


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A Punny Prelude: The Replacement Reality

If you are one of those homeowners whose residential roof replacement insurance claim has taken a hit, we are here to tell you: You’re not alone. According to the National Association of Insurance Commissioners, about 5% of insured homes had a claim in 2017, with property damage including theft, forming 98.1% of those claims. But an alarming proportion of these claims were dismissed, mostly related to residential roof replacement due to reasons such as simple wear and tear, or improper maintenance that your standard homeowners policy may not cover. This, however, doesn’t mean it’s the end of the road for you. Here’s a guide to get you back on your feet, or roofs, in this case!

Roof Realities: The Heartache of Hail and Wind Damage

Fun Fact: A study by the Insurance Information Institute found wind and hail damage to be the leading reasons for loss claimed on homeowners’ insurance policies, accounting for a whopping 34.3% of all losses between 2014 and 2018. Ironically, a major percentage of claims for roof replacement due to these conditions were rejected due to the insurance company’s determination that the damage was, in fact, preventable or stemming from a lack of maintenance. But let’s not blow away with the wind yet! Keep reading for tips on how to overcome such obstacles.

Navigating the Nine Percent Nightmare: Roof Replacement Claim Denial

Now, here’s a shocker! In 2017, only about 9% of homeowners insurance claims were denied, according to the National Association of Insurance Commissioners. Easy peasy? Not quite! The denial rate for specific types of claims, such as residential roof replacement insurance claims, can soar significantly higher due to reasons like age of the roof, maintenance issues, and the specific terms of the homeowner’s policy. So, how do we read the fine print and ensure our claim isn’t just another statistical brick in the wall? Let’s find out!

A Step-by-step Guide to Overcoming Roof Replacement Claim Rejection

Step 1: Review Your Insurance Policy

Pour over each clause in your policy keenly, understand the nitty-gritty details, and identify what constitutes as ‘preventable’ damage.

Step 2: Maintain Regular Documentation

A well-documented record of periodic roof maintenance can serve as a solid foundation for your claim; proof that you’ve been an insightful caretaker of your precious roof!

Step 3: Appeal the Denial

If the denial of your residential roof replacement claim is unjustified, you can always submit an appeal against it. Consult a lawyer or a claim’s advocate to ensure your appeal packs a punch.

Step 4: Negotiate

If everything else fails, negotiate. Most insurance firms are open to discussions. And believe it or not, negotiations can often lead to successful claim outcomes.

FAQs: Queries Quashed, Doubts Dashed

What if my roof replacement insurance claim is rejected due to the age of the roof?

You can always appeal against the decision. Make sure you engage an experienced lawyer or a claim’s advocate to make your case.

How to claim insurance if my residential roof replacement is due to theft?

The best approach is to carefully document the incident, file a police report and then make your claim.

Handy Tips to Triumph Over the Tenebrosity of Insurance Denial

– Regularly maintain your roof, and keep all the maintenance records handy for quick references.

– Understand the terms of your insurance coverage to avoid surprise denials.

– Act quickly when you face property damage to ensure that issues aren’t exacerbated over time.

– Always approach a denial from a position of knowledge. Gather your facts, organize them, and present them eloquently.

Claim Conquest: The Rejects Rejoice!

Navigating the stormy seas of residential roof replacement insurance claim rejection can be a daunting task, but remember, it’s not an impossible one. Prepare, document, understand, appeal, negotiate, and success will be yours for the taking. Here at Smart Roofing And Remodeling, we genuinely believe in ‘shingling’ out the best resources for you. Stay tuned for more ‘rafter’-shacking advice. With proper knowledge and strategy, you can certainly bounce back stronger!

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