When your roof is damaged, you expect the insurance company to pay the fair compensation you need to make repairs. If the insurance company is denying, delaying, or trying to pay less than you deserve, an experienced Gainesville roofing claims lawyer can help.
At Allen Law Firm, P.A., we always offer a free consultation so that you can learn more about your rights without any financial risk.
To schedule your free case review, all you have to do is call or connect with us online today.
How Can An Experienced Roofing Claims Lawyer Help Me Get the Compensation I Deserve?
Repairing a damaged roof can be one of the most expensive repairs a homeowner will have to make. The situation can quickly become even more extreme if the damage has caused water damage within the home or structure. Fortunately, roof damage is usually covered by a standard homeowners insurance policy.
That doesn’t mean it’ll be easy to get the money you need to fix the problem. Florida insurance companies are out to make a profit. Even if you diligently pay your insurance premiums, the insurer often tries to find a way to deny your claim. Another common tactic is offering less than you really need to properly repair your roof.
Our experienced Gainesville personal injury lawyers can help. With decades of practical experience – including 70+ years handling personal injury cases and 130+ years inside the insurance industry- we have a proven track record of successfully recovering compensation for our clients. In fact, we’ve already recovered millions over the years.
When you choose us, you’ll be hiring an attorney who will:
- Investigate to determine the true source of the roof damage
- Carefully review your insurance policy to determine the compensation you’re entitled to receive
- Work with experts who can provide evidence about what really damaged your roof–and refute inspection reports prepared by paid insurance “experts”
- Stand up for your rights when the insurance company tries to pay less than what you reasonably deserve to repair the damage
- Negotiate to protect your rights and get the fair compensation you deserve
If you sustained roof damage and your claim was denied or you suspect bad faith insurance practices, you may have a case. Insurance companies often rely upon people’s lack of legal knowledge to avoid paying what’s fair. They may deny your claim and hope that you don’t think it’s worth the hassle to learn about your rights.
Don’t let these unscrupulous insurance adjusters off the hook. Call our experienced roofing claims attorneys in Gainesville and take action to protect your investment today. As always, your first consultation is free.
Common Types of Roofing Damage
The roof is a critical aspect of any home or business structure. There are a number of different issues that can impair the quality and functioning of your roof–and cause problems to the structure below.
Some common types of roof damage include:
- Damage to the roof flashing
- Loosening of the flashing
- Holes, cracks, or rotting in the soffit
- Missing or discolored shingles
- Cracks in the roof tiles
Even a relatively minor roof problem can lead to expensive damage. That’s why it’s always important to take action as soon as you notice something wrong. Homeowners have a duty to mitigate damage–meaning that the insurance company might deny a claim based on damage caused by failure to repair the roof quickly enough.
Our attorneys can help you get fair compensation regardless of the type of roof damage involved. If you have questions, don’t hesitate to call to get our legal advice today.
Repair vs. Replace: Florida’s 25% Rule
The Florida building code contains a 25% rule. Under that rule, if 25% or more of the roof has to be repaired, the entire roof should be replaced. Further, if 25% or more of a roof segment has to be repaired, the entire segment should be replaced.
Insurance companies would obviously rather repair the roof. Repairing is much less expensive than a total replacement–but might be ineffective over time.
It’s often a good idea to hire a professional to inspect your roof before you even file the insurance claim. Once you file the claim, the insurance company will send someone out to inspect and appraise your roof. However, that person is hired by the insurance company–and will be inclined to provide an opinion that’s favorable to the insurance company.
You don’t have to take that report at face value. It’s important to carefully document the damage and get the opinion of an independent professional to increase your odds of getting fair compensation.
Common Causes of Roof Damage in Florida
Roof damage in Florida is often caused by weather events. However, a lot of different things can happen to cause damage to a roof. Florida residents often suffer roof damage caused by:
- Wear and tear over time
- High winds
- Wind-driven rain
- Smoke, fire or heat
Insurance companies will try to claim that the damage to your roof was caused by your own failure to maintain the roof. Roofs wear out just like anything else–and homeowners have a duty to properly maintain them. The insurance company might hire experts to say that your roof damage was made worse because you failed to perform reasonable maintenance.
There are also some types of roof damage that are excluded from standard homeowners policies. Those include damage caused by:
- Certain types of roofing materials
- Purposeful acts
- A very old roof
- Manufacturer or installation errors
Understanding the terms of your policy can be key to making sure your claim is covered. However, it’s not always easy to sort through the complex provisions in even the most basic insurance policy. Our lawyers can help. We’ll thoroughly review your insurance policies and help you understand your legal rights under the policy terms.
Why Was My Roofing Claim Denied?
Insurance companies do sometimes have legitimate reasons for denying a roofing damage claim. Some of the most common reasons why your claim might have been denied include:
- Nonpayment of policy premiums
- Filing a claim too late
- Claims that the roof damage was pre-existing
- The issue of whether the damage was caused by a covered reason
- Disagreements over the value of repairing the roof
- Repair versus replacement disagreements
Insurance will, typically, cover both the cost of repairing the roof damage and replacing/repairing any damage caused to the contents of the home. However, if you’re seeking compensation for water damage, you might be facing an uphill battle.
One of the most common insurance disputes involves determining whether the damage was caused by flooding, rather than some type of covered reason. Most homeowners insurance policies in Florida specifically exclude flood damage. As a result, homeowners often purchase flood insurance in addition to homeowners’ insurance.
Additional insurance coverage can be valuable and even necessary, depending upon the terms of your mortgage. However, it also complicates matters. Insurance companies often try to shift the blame onto someone else wherever possible. That means you could end up in a situation where your homeowners insurer tries to blame your flood insurer and vice versa.
You don’t have to take these games lying down. With a skilled lawyer by your side, you greatly increase your odds of getting the full compensation you need. Call Allen Firm, P.A. to learn more about what we can do for you today.
Types of Compensation Available in Florida Roofing Claims Cases
Our experienced roofing claims attorneys at Allen Law Firm, P.A. can help you understand exactly how much you’re entitled to receive. We’re familiar with the building code, insurance regulations, and insurance claims process.
If you’re having a problem with your roofing claim, having a skilled attorney in your corner levels the playing field when you’re facing off against the insurance company.
Every roofing claim is slightly different. Depending upon your specific circumstances, you may be entitled to receive compensation for:
- The cost of replacing your roof
- Repairs to the roof substructure
- Damage to your personal belongings beneath the roof
- Loss of the use of your home or business
- Losses caused by business interruption
Insurance companies sometimes deny claims in hopes that the property owner will simply give up. An experienced lawyer can review your policy to help you fight back. We want to help you protect the investment you’ve made in your home or business–and we’re committed to getting what’s fair.
Getting a lawyer involved doesn’t always mean you’ll end up in court. Most insurance companies will negotiate fairly once they learn someone knowledgeable is on your team. We know how to get the evidence needed to support your claim–and we’ll be by your side every step of the way.
To get the help you deserve, call and schedule a free consultation with the Allen Law Firm, P.A. today.
Contact a Knowledgeable Gainesville Roofing Claims Lawyer For Help Getting Your Roof Fixed Today
Taking action today can make sure you’re protected in the future. If your roof was damaged, call an experienced Gainesville roofing claims lawyer at the Allen Law Firm, P.A. to schedule a free consultation today.