If you own a home in Texas for long enough, you’ll likely deal with a roof damaged by wind, rain, or hail at some point.
After all, the Lone Star State has endured almost 200 weather-related disasters over the last 45 years. It also experiences more annual hail storms than any other state and is hit by more hurricanes than any state other than Florida.
Ideally, your homeowners’ insurance company will pay to help fix your damaged roof. However, you might also face a storm roof damage claim denial for one reason or another and need to know how to respond.
Here’s what to do if you ever have a claim denied.
Read Through Your Storm Roof Damage Claim Denial Letter
When your homeowners’ insurance company decides to issue you a storm roof damage claim denial, it’ll send a letter outlining the reasons. Read through this entire letter to determine exactly why your claim is being denied in the first place.
Your homeowners’ insurance company might cite pre-existing damage disputes or policy coverage limits as reasons for your insurance claim denial. They might also point out that you failed to submit the proper documentation along with your original claim.
Whatever the case, ensure you understand where your homeowners’ insurance company is coming from when denying your claim. Knowing where they stand will allow you to figure out whether you should consider taking further action to fight your storm roof damage claim denial.
Consult an Experienced Storm Damage Insurance Claims Attorney
If you go through the appeal process and discover that your homeowners insurance company still won’t cover your storm damage roof claim, arrange a consultation with a local lawyer. Track down an experienced storm damage insurance claims attorney who understands how to handle these often-complicated cases.
A lawyer can look over your storm roof damage claim denial and recommend what you should do next. In some cases, they might negotiate with your insurance company on your behalf to work out a fair settlement deal. In other instances, they may advocate for you filing a lawsuit against your insurance company in an attempt to collect compensation.
Lean on a storm damage insurance claims attorney for legal guidance as you seek to fix your roof and prevent further issues with your Texas home.
Reach Out to Us To Review Your Storm Damage Roof Claim Denial
Did you go through the trouble of scheduling a roof contractor estimate and filing a storm damage roof claim only to have your homeowners’ insurance company deny it? Speak with an attorney to see what steps you should take to reverse a storm roof damage claim denial.
The Moore Law Firm is here to help those dealing with damaged roofs in Texas and parts of Louisiana. Contact us at (956) 400-0000 today to schedule a consultation.