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The roof is one of the most vulnerable parts of a home or business structure. Sudden windstorms, hail, lightning, or even hurricanes can cause catastrophic damage to the integrity of the roof. Especially in areas with frequent storms and weather events, property owners, both commercial and residential, should make sure that they have an insurance policy that covers roof damage.
Even if you have an adequate insurance policy, the company could still deny payment of your claim.
An insurance company could deny or underpay your roof claim for a number of reasons including:
These denials and underpayments can lead to lengthy disputes between you and your insurance company delaying your roof repair. Our experienced attorneys can help you interpret the insurance policy, determine the cause of the denial or underpayment and help you obtain the insurance coverage owed to you.
Every year there is Billions of dollars of damage nationwide related to hail and wind, and Texas is among the top states to suffer this damage. Severe hail or wind damage may cause immediate structural damage to the roof causing the roof to fail or leak. However, even less severe damage to a roof can affect the integrity and effectiveness of the structure leading to short term and long-term problems.
If there has been hail or windstorm in your area it is important to contact a contractor immediately to assess the damage to your roof and other structures. Policyholders should take certain steps to preserve evidence regarding their claim:
If it is determined that damage has occurred, a policyholder should make a claim with their insurance company as soon as possible, in writing, and as required by the policy language. All requests and communication should be documented in writing and copies should be kept of all information.
Insurance policies are contracts, and the insurance company has certain obligations to the insured. In addition to their contractual obligations, The Texas Insurance Code and Deceptive Trade Practices Act require that insurance companies act in good faith, respond in a timely manner and are transparent with the insured regarding the evaluation and resolution of their claim.
Insurance companies make money by not paying claims. Many people do not know that they may have additional options when their claim is denied or underpaid.
An experienced insurance attorney like those at Kirk Law Firm, PLLC, can help you interpret your insurance policy, navigate the process, and assess your options when your roof claim is denied or underpaid. You may be entitled to compensation for the cost of the roof, attorney’s fees, additional interest, and other damages.