Roofing

4 Reasons Why Storm Damage Claims Get Denied

Standard home insurance policies provide coverage for storm damage. However, since policies vary from one insurance company to another, some storm damage claims are denied.

A trusted roofing and snow removal company shares four of the most common reasons why storm damage claims don’t get approved.

1. Wear and Tear

All roofing materials deteriorate over time, so home insurance policies typically don’t cover roof damage resulting from wear and tear. If you have an old roof and it was damaged by the storm, your claim might not get approved. Generally, it’s the homeowner’s responsibility to replace their roof when it’s time. If they delayed roof replacement and it resulted in storm damage, your insurance might not cover your roofing expenses.

2. Previous Damage can Cause Claim Denial

Home insurance policies don’t cover damage that happened under a previous policy. So if your roof suffered new damage on top of the older damage, your insurance might not pay for repairs. This is because the new damage may have been a result of the older damage.

3. Partial Damage Denial

If you’re filing a claim for a full roof replacement, the insurance adjuster must be able to determine that the roof damage cannot be resolved by a partial repair. This is tricky because the criteria for determining partial damage depends on your insurance company, particularly the insurance adjuster who will inspect your roof. However, the good thing is that the determination of partial damage is arbitrary in nature, so it’s still possible for the denial to be overturned. Don’t hesitate to ask your roofing and snow dam removal company or hire an attorney for help.

4. Manufacturer Defect Damage

If the damage was due to a manufacturer defect, your insurance provider is not responsible to cover the replacement costs. Call the manufacturer and ask about your roof’s warranty. Major manufacturers usually have a standard limited warranty to cover such issues in their products.

Whether you’re installing a new roof or repairing an old one, always work with a GAF roofer like Deschutes Roofing. With our expertise, we guarantee quality workmanship. To schedule a consultation, fill out our contact form or call us at (541) 241-5720 (Bend), (503) 967-9590 (Portland), (541) 246-6860 (Eugene), (503) 468-7663 (Lake Oswego) or (503) 928-8750 (Beaverton).

Carlos Simpson

Recent Posts

Long-Term Solutions: Why Invest in Quality Commercial Roof Repairs

Maintaining the structural integrity of a commercial building is one of the most important responsibilities…

3 hours ago

Eugene Roofing Done Right: The Importance of Hiring a Local Contractor for Quality Services

When it comes to roofing, one of the most significant decisions homeowners face is selecting…

4 days ago

Don’t Wait for the Storm: Why You Need a Winter Roofing Inspection Now

As winter approaches, the focus tends to shift toward holiday preparations and staying warm. Yet,…

1 week ago

Preparing for Winter Environment: Why Roof Insulation Matters Now More Than Ever

As winter approaches, homeowners are starting to prepare their houses for the cold months ahead.…

2 weeks ago

Asphalt Shingles: A Classic Roofing Choice or Outdated Roof Option?

When choosing the right roofing material for your home, the decision often comes down to…

3 weeks ago

How Professional Roof Maintenance Could Save Your Home from Damage

Your roof is your home's first line of defense against the elements, shielding it from…

3 weeks ago