Interstate Roofing

Dealing With Disputed Roof Damage Claims

Don’t give up hope if your insurance claim for roof damages is denied. With a strong appeal, you still have a chance to win.

If you’ve recently received the news that your insurance company won’t be covering your roof damages, don’t panic just yet. While most policies will honor repairs that go beyond normal wear and tear – think major damages from storms or vandalism – getting the compensation you deserve isn’t always as simple as filing your claim on time. Fortunately, you do have the right to appeal. If it’s clear to you that your roof repair bill should be covered, don’t be afraid to fight back.

Why Good Claims Go Bad

While they have a reputation for being tough, most insurance adjusters go into their field because they want to help people rebuild their lives when disaster strikes. Denying claims isn’t something they enjoy, but just like you, they’re held to strict standards by their employers. From negligence to insufficient evidence to contract exclusions, there are many reasons why first claims get denied. Some denials may be final, but many others can be corrected with a little extra work on your part.

The good news is that you’re entitled to a detailed explanation why your claim isn’t being accepted. If you find the language confusing, call your provider for more information. Remember that when you know exactly what went wrong, you have a much higher chance of winning your appeal.

Tips for Getting Your Denial Overturned

1. Learn the terms of your contract inside and out. The more you understand about your policy, the more leverage you’ll have when communicating with your insurance company. You can get a head start on understanding insurance law in Oregon here.

2. Keep in contact with your agent. Most insurance agents are more than happy to help their clients get through the appeals process. Just remember to always be polite and open to new ideas. If you feel like your agent is concealing information or just not being helpful, consider hiring an outside consultant. Attorneys can be helpful, but because they often break up the direct link between you and your insurance company, their services should generally be seen as your last line of defense.

3. Pay for a professional report. When your roof repairs fit the profile of what should be covered under your insurance plan, including a professional damage assessment in your claim file is a great way to strengthen your case.

Looking for a professional roofer? Contact us online or give us a call directly at 503-684-5611to learn more about our roofing services in Portland, OR.