- Staying on top of your claim is essential to ensure it is accurately processed.
- Ensure you understand your policy’s coverage scope before submitting a repair claim.
- Work with a qualified contractor to make repairs, and keep track of all documentation related to those repairs in case there are any issues later on.
- Iron City Construction LLC offers roofing and storm restoration services to customers in Hernando County and the surrounding areas.
A storm can damage your home and property. Suppose you are unfortunate enough to experience a storm. In that case, you will likely claim your insurance company to have the damages repaired. However, not all claims are approved. Iron City Construction LLC will discuss ten reasons your storm restoration claim might be denied. Knowing these reasons can help you avoid having your claim denied in the future!
10 Reasons Why Your Storm Restoration Claim Might Get Denied
1. Not Enough Damage
One of the most common reasons why storm restoration claims are denied is because there is not enough damage to warrant a claim. For an insurer to approve a claim, they will typically require a certain amount of damage to the property. The claim will likely be denied if the damage is not significant enough.
2. The Policy does not cover the damage.
Another common reason for denial is if the policy does not cover the damage. It is essential to read through your policy carefully before filing a claim, as some guidelines have exclusions for certain types of damage. The insurer will likely deny your claim if your policy does not cover the damage you claim.
3. Policy has Lapsed
Your claim will likely be denied if your policy has not lapsed or you have not paid your premiums. For an insurer to approve a claim, you must have an active insurance plan in good standing. You will need to reinstate your policy before filing a claim if it has lapsed.
4. Deductible has not been Met
Most policies have a deductible that must be met before the insurance company will approve a claim. The deductible is the out-of-pocket amount before your insurance coverage kicks in. Your claim will likely be denied unless you have met your deductible.
5. The claim was Filed too Late
If you wait too long to file a claim, your insurance company may deny it because it is too late. Most insurance policies have a “statute of limitations” which requires claims to be filed within a specific time frame. This time frame is typically 30 days from the date of loss. Your claim may be only allowed if you submit your documentation within this time frame.
6. Incomplete or Incorrect Forms
Another common reason for claim denial is incomplete or incorrect forms. When filing a claim, it is crucial to ensure that all the forms are filled out correctly and completely. Any missing information or inaccurate information could result in your claim being denied.
7. Insufficient Proof of Damage
To receive compensation for storm damage, you must prove that the storm caused the damage. It may include photos, videos, or other documentation showing the damage done. Your claim is likely denied if you cannot prove that the storm caused the damage.
8. Pre-existing Damage
Another common reason for claim denial is pre-existing damage. Suppose there was damage to your property before the storm. In that case, your insurance company might deny your claim because the storm did not cause the damage. It is vital to have a home inspection before you purchase insurance; if there is already damage present, you will not be covered for it.
9. Failure to Mitigate Damages
Your insurer may deny your claim if you fail to mitigate (or prevent) further damages after a storm. For example, suppose you have a hole in your roof after a heavy shower but do not take steps to repair it. In that case, your policy will not cover any additional damages resulting from the affected area. It is essential to take action as soon as possible after a storm to prevent further damage from occurring.
10. Fraudulent Activity
Insurance companies take fraud very seriously, and any suspicion of fraud can result in a denial of benefits. Some examples of fraud include exaggerating the extent of damages, staging an accident, or making false statements on a claim form.
Tips to Avoid Storm Restoration Claim Rejection
1. Check for Damage as Soon as the Storm Has Passed
The first step in preventing your storm restoration claim from being rejected is to check for damage as soon as the storm has passed. It means inspecting your home or business for any signs of damage, such as broken windows, missing shingles, or flooding. If you see any damage, it’s important to document it by taking photos or videos.
Also, read our blog on storm damage checklist to manage your roof damage like a pro.
2. Contact Your Insurance Company
Once you’ve inspected your property for damage, the next step is to contact your insurance company. You should do this promptly after the storm has passed so that they can begin the claims process. When you get your insurance company, have all your documentation ready, such as photos or videos of the damage, a list of damaged items, and your policy number.
3. Check Your Policy
Ensure you are familiar with your policy details to know what is covered and what is not. Contact your insurance agent or company for clarification if you have any questions.
4. Follow Up With Your Insurance Company
After contacting your insurance company, it’s essential to follow up with them to check that your claim is being processed. It may involve calling them periodically or meeting with them in person. It’s also essential to keep any documentation related to the claim, such as correspondence with your insurance company or estimates for repairs.
5. Get Multiple Estimates for Repairs
If your property has sustained damage, you will need to get estimates for repairs from roofing contractors. It’s essential to get multiple estimates to compare prices and choose the best option for your needs. When getting estimates, ask if the contractor accepts insurance claims and if they have experience with storm damage repairs.
6. Choose a Contractor Carefully
Once you’ve gotten estimates from contractors, it’s time to choose one to do the work. When selecting a contractor, be sure to choose one that is reputable and has experience with storm damage repairs. You should also verify that the roofing contractor is licensed and insured. Once you’ve selected a contractor, get everything in writing, including a detailed estimate of the work and price.
7. Monitor the Progress of Repairs
Once you’ve selected a contractor and work has begun on repairs, it’s crucial to monitor the progress of the work. It means periodically checking in with the contractor to ensure that they are progressing and that the work is being done correctly. If you want to ask anything about the repairs, consult with your roofing contractor to address them promptly.
8. Keep All Documentation Related to Repairs
As repairs are being made on your property, keeping all documentation related to the work is essential. It includes receipts for materials, invoices from roofing contractors, and any correspondence with your insurance company or other parties involved in the repair process. Keeping this documentation will help ensure you are reimbursed for all the repairs.
Click here to learn about avoiding costly storm damage insurance claims.
Need Storm Restoration Services in Hernando County? No Problem!
Thanks for sticking with us to the end! We hope you understand better what we can offer as your roofing contractor. Iron City Construction LLC is licensed and insured in roofing and storm restoration services. We also offer convenient financing options and insurance claims so that you can get the project started as soon as possible. And if you have any questions or concerns, please don’t hesitate to contact us. We’re here in Hernando County to help make your roofing dreams a reality.
Schedule your free consultation today, and let’s get started on making your home beautiful and energy efficient.
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