If your insurance denies your roof claim, don’t panic. Follow these steps:
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.
Ask your insurance company for a written explanation of why your claim was denied. This letter is essential for your appeal process.
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.
Take high-resolution photos and videos of the damage, and gather receipts, inspection reports, and maintenance records.
Submit a formal appeal to your insurance company, including all new evidence and a clear explanation of why the denial should be reconsidered.
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.
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.
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.
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.
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.
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.