In the past few years homeowner's guarnatee customers have been fighting a growing battle with guarnatee clubs over roof claims. The trend has been an addition amount of roof claims that are being denied by the guarnatee carriers. Roof claims are ordinarily the most tasteless and most high-priced home loss an guarnatee business will face beyond a total fire loss or liability claim. Depending on the state in which you live the likelihood of your roof being damaged by weather can vary dramatically. A state like Oklahoma which is prone to hail and wind will have much more occurrences of roof damage than a state like Arizona. Why are guarnatee clubs denying roof claims and how can you make sure your roof will be covered?
First you have to understand what a home guarnatee procedure covers and what is excluded. Not all policies are the same but there are similarities that are shared among the major carriers. Your home procedure will state what is excluded but rarely will state what is covered. This is because the business doesn't want to list every potential scenario rather listing the situations that are not covered and leave the rest to assume it is covered. A roof can be damaged by a amount of factors along with but not miniature to wind, hail, sun, failing objects, and snow. Not all of these occurrences are covered like sun damage which is commonly a wear and tear issue over many years.
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There are many reasons why an guarnatee business will deny a roof claim including:
Roof damage appears to be from wear and tear Lack of maintenance Not sufficient damage or damage is covered by roof warranty Fraudulent claim Damage is caused by an excluded loss
There are other reasons why your claim may be denied which are seldom talked about. The adjuster's taste has a lot to do with how well they can resolve what created the damage. Most adjuster's go straight through training but years of taste will all the time furnish best results. When you file the claim can also have an impact on how the claim will be handled.
If the hail storm occurred six months ago it could be difficult for an adjuster to resolve what the actual cause of the damage was from. ordinarily in large storms the first adjuster on scene is from an additional one state and will not likely be there if a claim is filed months after. When you have an adjuster come out who is unfamiliar with the path of the storm your claim could be denied.
In some situations guarnatee clubs are acting only in the best case of the business which can lead to improper claim adjusting. There are reported cases of administration giving bonuses to adjusters who only approve a definite percentage of claims and cases where citizen have been fired for accepting too many claims. If you feel your claim is not handled properly then hiring legal counsel may be your best move but I am not here to furnish legal advice.
Why Home insurance companies Deny Roof Claims