Insurance Claims

Knowing your rights for Insurance Claims when your home or commercial property has been damaged is hugely important.

NO ONE REGRETS BEING PREPARED FOR EMERGENCY SITUATIONS, ESPECIALLY WHEN THEY HAPPEN

It’s a homeowner’s nightmare. It’s a businessman’s live-action horror movie. You never think it can happen to you, until it does. Violent storms. Tornados. Hurricanes. High winds. Ice and snow. Torrential rains and flooding. These are just a few of the natural disasters that can wreak havoc on your home or commercial property. And they’re just a few of the disaster situations that property owners and operators can face every year in the Greater Atlanta area and throughout the great State of Georgia. If you’re one of the thousands of local homeowners, business owners, or commercial property owners in our area, you likely go to great lengths to keep your family, your people, and your investments safe. But what happens when you encounter damage? Does the insurance company contact you? Do they handle everything online? Will they send out a representative? What’s covered by property insurance? What’s not covered? It’s important to think about the safety and continuity of your home or business both during natural disasters, and after the disaster has taken place.

WHY DO INSURANCE CLAIMS GET REJECTED? WILL MY ROOF DAMAGE CLAIM BE DENIED?

Sadly, it’s true that many Insurance Companies will often reject claims for roof repairs or total roof replacements in the aftermath of a natural disaster. There are a whole host of reasons why they might deny your initial claims. Some of the reasons you might expect. Some of them might blow your mind.

HERE ARE JUST A FEW OF THE REASONS WHY YOUR DISASTER-BASED INSURANCE CLAIMS MIGHT BE DENIED:

Exclusions in Homeowner’s Policy

Unfortunately, this is a very common occurrence for homeowners. Make no mistake, insurance companies would rather not pay out for your re-building process. So they will often build in exclusions for natural disasters. You should always read the fine print. If necessary, have an expert check it out before disaster strikes. And act swiftly, there could be a ticking time bomb on your policy.

Discrepancy in Roofing Materials

Believe it or not, some insurance companies try to control what types of Roofing Materials you use for your home or commercial roof. This could include the outer shell, shingles, or other membrane type. But it might also include the materials used as a foundation, or as a sealant. Be sure to read your insurance policy thoroughly before signing, and hopefully avoid getting passed over.

Roof Installation Techniques

It might or might not surprise you that if the insurance company doesn’t like how your roofing contractor installed your roof, they might reject your insurance claims. If you had a replacement, and the roofing company put shingles on top of old shingles, that might void coverage. If they don’t like the spacing, ventilation techniques, or something else your roofing company did, they might deny claims.

Warranties, Age, and Maintenance

If your specific roofing products have stipulations regarding warranty replacement, and your roofing installation professionals did not follow the necessary specifications, you could not only void your regular roofing warranty, but void any chances of securing insurance claims. If your roof is past a certain number of years, insurance might not pay for natural disaster damages. If your home or commercial roof has been left to its own devices, and improperly maintained, you could also lose an insurance claim.

If you have encountered damage from storms, high winds, or other natural disaster, you deserve an advocate. Don’t haggle with the insurance company when they deny your roofing and property damage claims. If your claims are eligible, we will guide you through every step of the Insurance Claims process. Call Safeguard Roofing Group for a FREE Estimate. Don’t delay! The clock is ticking! Call our professionals today!