A home is only as strong as its roof. Even a seemingly minor amount of roof damage has the potential to cause serious problems for a property owner. Beyond that, fixing a roof can be a complicated, frustrating, and expensive experience.
Unfortunately, in far too many cases, Florida homeowners who have valid insurance coverage struggle to get their roof damage claim approved by their insurance company. Just know this: Insurers do not get the last word. Homeowners have options to fight back.
At Englander Peebles, our Fort Lauderdale property damage attorneys have a deep background in handling roof damage claims. We also have the skills and tenacity to hold large insurance companies accountable.
If your roof damage claim was denied in South Florida, we are here to help you to pursue full and fair compensation. To schedule a free, no-obligation review of your case, don’t wait to act. Contact our law firm today.
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Did the Insurance Company Deny Your Roof Damage Claim?
You can challenge the denial of your homeowner’s insurance claim. You have the right to file an appeal. Under Florida Statutes 627.7142, homeowners are protected in the insurance claims process by a “Bill of Rights.” State regulations require insurance companies to abide by certain legal standards.
Most importantly, property insurance companies must operate using good-faith settlement practices. Among other things, homeowner’s insurance companies have an obligation to:
- Investigate roof damage claims in a timely manner
- Treat homeowners fairly
- Payout valid claims without delay
Of course, this does not mean that every Florida homeowner immediately receives the full and fair roof damage settlement that they deserve after submitting their claim. Insurance companies are aggressive, for-profit businesses. They are primarily interested in protecting their own financial well-being.
Getting a claim approved can sometimes be a difficult endeavor. If your roof damage claim was denied in South Florida, you should get the denial letter into the hands of an experienced homeowners’ insurance lawyer at Englander Peebles right away.
Common Causes of Roof Damage in Florida
Roof damage can occur in many different ways. In some cases, a home may suffer damage to a small section of the roof. In other cases, the entire roof may need to be replaced. Some of the most common causes of roof damage in Florida are:
- Faulty design or installation
- Birds, insects, and other pests
- Ventilation issues
- Falling trees
- Heavy rains
- Strong winds
- Hail damage
- Severe thunderstorms
Whether a homeowners’ insurance policy covers roof damage will, in part, depend on what exactly caused the damage. Insurance companies have a strong financial incentive to try to find a way to deny or reduce coverage. They often argue that something that falls within a policy exclusion caused the roof damage.
Homeowners need to be ready to protect their rights. If your home has suffered roof damage, it is essential that you take immediate action to document the loss.
What You Should Do If Your Claim Was Only Partially Denied
When they handle roof damage claims, many insurance companies offer inadequate compensation to homeowners who are facing major financial stress. They try to take advantage of the fact that homeowners are eager to recover funds so they can start repairs to the roof or pay for repairs that they have already done.
As a result, they may offer to pay only part of the roof damage, or they may offer compensation that is far below what the homeowner deserves. Their hope is that a homeowner will take “anything they can get.”
Homeowners in Florida should not accept this result. If an insurance company fails to offer you the full roof damage settlement that you are due under your policy, you need to call a Fort Lauderdale homeowners’ insurance lawyer at Englander Peebles without delay.
Notably, under Florida Building Code 708.1.1, roofs that sustain major damage may need to be replaced entirely. The state has a 25 percent roof replacement rule. If more than 25 percent of the roof of an existing home must be repaired or replaced, the entire roof must conform to the requirements of the state’s code. So, if your roof sustains that amount of damage, you may be entitled to a full roof replacement under the terms of your insurance policy.
How Can Our Lawyers Help with Your Roof Damage Claim in Florida?
Insurance companies put a lot of resources into training their representatives to protect the companies’ profits. They have developed a wide array of tactics and strategies to limit the value of property insurance settlement offers. For homeowners who desperately need their roof repaired or replaced, navigating the claims process can be deeply frustrating. That’s why an experienced attorney can make the difference for you.
At Englander Peebles, our roof damage lawyers have committed advocates for homeowners. If your claim was denied or underpaid, we are prepared to:
- Review your roof damage claim for free
- Answer questions about the insurance claims process
- Carefully investigate the roof damaged by gathering evidence and documentation
- Handle all communications with the homeowners? insurance company
- Prepare a roof damage appeal to get you full financial compensation.
How the process moves forward will depend on the nature of your claim. Roof damage claims have the potential to settle relatively quickly. With an experienced lawyer by your side, the insurance company will take your claim far more seriously.
Alternatively, a formal appeal or mediation may be required to get the insurance company to pay your claim. If the insurance company continues to act in bad faith, our law firm will be ready to file a lawsuit and fight for you in the courtroom. Our trial-tested Florida roof damage claims lawyers are prepared to take your claim as far as it needs to go in order to protect your rights.
Contact Our Fort Lauderdale Roof Damage Claims Attorneys Today
At Englander Peebles, our lawyers are strong, effective advocates for homeowners. We have the skills and experience needed to handle the full range of roof damage claims. If an insurance company has tried to deny, delay, or underpay your claim, we will aggressively protect your rights. For a free, no-obligation review of your claim, do not hesitate to contact us for a free consultation through our offices in Fort Lauderdale, Boca Raton, or Miami.