Trouble with your Insurance Claim?
Here are steps you can take if your roof claim is denied
Insurance Appeals Process
Immediate Steps to Take After a Roof Claim Denial
If your insurance denies your roof claim, don’t panic. Follow these steps:
1. Review Your Policy
Carefully read your insurance policy to understand what is covered and what exclusions apply. Look for any ambiguities or inconsistencies that you can leverage in your appeal.
2. Request a Denial Letter
Ask your insurance company for a written explanation of why your claim was denied. This letter is essential for your appeal process.
3. Inspect the Damage Again
Hire a trusted roofing contractor, like Litespeed Construction, to provide a second roof inspection. A professional roofer can identify damage that may have been overlooked.
4. Document Everything
Take high-resolution photos and videos of the damage, and gather receipts, inspection reports, and maintenance records.
5. File a First Appeal
Submit a formal appeal to your insurance company, including all new evidence and a clear explanation of why the denial should be reconsidered.
Understanding the Appeals Process After Denial
Appealing a denied roof insurance claim can be complex, but persistence pays off. The process typically involves two stages: the first appeal and, if necessary, a second appeal or external review.
First Appeal Steps:
1. Compile Evidence: Include contractor inspections, weather reports, and photos.
2. Draft an Appeal Letter: Clearly state why you believe the denial was wrong and provide supporting evidence.
3. Involve Your Contractor: A reputable Asheville roofing company, like Litespeed Construction, can communicate directly with the insurance adjuster.
Submit the Appeal: Send it via certified mail or email, ensuring proof of submission.
Second Appeal or External Review:
If the first appeal is denied:
1. Hire an Independent Adjuster: Independent adjusters can provide unbiased evaluations.
2. Obtain an Independent Appraisal: Consider hiring an independent appraiser to assess the damage.
3. Seek Mediation or Arbitration: Some policies allow for mediation to resolve disputes.
4. Consider Legal Action: Consult an attorney specializing in insurance claims if all else fails.
Statistics and Facts About Roof Insurance Claims
High Denial Rates: According to FEMA Nearly 40% of roof claims are initially denied due to lack of sufficient evidence or policy exclusions.
Success in Appeals: The Insurance Information Institute states that about 50% of homeowners succeed in reversing claim denials upon providing additional evidence.
Cost of Roof Repairs: Energy.gov mentions that the average roof repair costs $400–$1,000, while a full replacement can exceed $10,000.
Denied Roof Insurance Claims
Dealing with a denied roof insurance claim requires diligence and strategic action. By understanding your policy, gathering strong evidence, and leveraging expert help, such as the team at Litespeed Construction, you can increase your chances of a successful appeal. Contact us today
Call us at (828) 505-6051 to schedule an inspection and ensure your roof is properly protected.
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Why Choose Litespeed Construction?
At Litespeed Construction, we understand the frustration of dealing with a denied roof claim. Here’s why homeowners in Asheville, NC, trust us:
Expert Inspections: Our certified inspectors identify damage with precision.
Insurance Expertise: We work directly with adjusters to ensure claims are fairly evaluated.
Local Reputation: Serving Asheville and surrounding areas with integrity and reliability.
So at the first sign of storm damage, call us at: (828) 505-6051 right away.