The roof is one of the most important components of your home or business. If the insurance company denies your roof damage claim, you could find yourself in a difficult situation. An experienced Ocala roofing claims lawyer at Allen Law Firm, P.A. can help protect your rights and get the money you need to make repairs.
At our law firm, your first consultation is always completely free of charge.
Just give us a call or connect with us online to arrange a time to talk.
How Can a Personal Lawyer Help With My Roof Insurance Claim?
You diligently pay your insurance premiums when they come due. However, if you’re like most people, you might not know exactly what your policy covers. It’s only once you’ve experienced property damage that you really have to take a close look at your insurance contract.
An insurance policy is a contract. Our experienced Ocala personal injury lawyers have decades of experience interpreting contracts just like yours. And, we have several former insurance adjusters on staff who, collectively, have 130+ years of experience working inside the insurance industry. We’re uniquely positioned to help you navigate your roofing claim. We’ll thoroughly investigate your claim and help you understand the best options for moving forward.
When you hire Allen Law Firm, P.A. to protect your best interests, you’ll have a lawyer who will:
- Retain independent experts to examine your roof and determine the source of the damage
- Work with those experts to determine the cost of a full repair–not only the damage that’s immediately apparent
- Help you understand what your Florida homeowners insurance policy covers
- Explain the Florida building code and property insurance laws that might impact your claim
- Stand up to insurance companies who might try to bully you into accepting less than you deserve
- Handle all negotiations and communications with the insurance company so you can avoid the hassle
If you’re faced with serious roof damage, the last thing you need is a battle with the insurance company. Unfortunately, that’s often what you’ll get. Having a skilled attorney on your side can make the entire insurance claims process move faster.
Insurance adjusters are much more likely to play fair if they know they could end up in court. Allen Law Firm, P.A. has a reputation for winning these court battles. If you’re ready to learn more about how we can help with your roofing insurance claim, just call our law offices and set up a free case review.
Common Causes of Roof Damage in Ocala, FL
Insurance doesn’t cover the cost of repairing a roof that’s damaged only because of normal wear and tear over the years. Some type of specific and identifiable event must have caused the damage. Of course, in Florida, hurricanes are known to cause serious roof damage.
Some other common causes of roof damage covered by insurance in Florida include:
- Fallen trees
- High winds
You deserve to get what’s fair under the terms of your insurance contract. However, these contracts can be extremely complex. Our central Florida insurance claims lawyers will carefully review your contract to determine whether your losses are covered.
Roof Damage Caused by Hurricanes
Many standard homeowners insurance policies in Florida exclude hurricane damage. Because of this, homeowners are often required to purchase additional flood or wind insurance to get full coverage. Federal programs provide flood insurance to cover certain damage caused by hurricanes.
After a hurricane or serious storm, claims related to roof and water damage are often denied by the homeowners’ insurance company. They’ll claim that the damage was really caused by flooding related to the storm–a risk not covered by the standard policy.
We’ll examine all of your coverage to determine who is actually responsible for paying your claim. In flood-prone areas, mortgage lenders often require borrowers to purchase flood insurance. You might be covered even if you don’t realize it.
Things can quickly get complicated when the insurance companies start blaming each other for your damage. Let our attorneys step in to make the process easier. Don’t hesitate to reach out to Allen Law Firm, P.A. for help getting your hurricane roof damage claim resolved.
Damage Caused By Leaking Roofs
The damage caused by a leaking roof can extend well beyond the actual roof structure itself. The longer your roof remains damaged, the more extensive the damage may be. If your roof was damaged in a hurricane, thunderstorm, or even a tornado, it’s important to take action quickly to minimize the damage.
Leaking roofs can cause the following types of damage:
- Ceiling damage
- Damage to drywall and insulation
- Mold and mildew
- Damage to the integrity of the building structure
- Heightened risk of electrical fires
Florida is no stranger to severe storms. If you’re lucky, however, you might be a stranger to the insurance claims process. Our legal team at Allen Law Firm, P.A. will put over 100 years of practical experience to work in order to get the money you need for repairs.
Ready to learn more? Call our law offices and arrange a free case review with an insurance claims attorney who can help.
Repair vs. Replace: Florida’s 25% Replacement Rule
Replacing your roof is the most expensive option for insurance companies. Because of this, many will try to get away with paying to repair the damage instead of replacing the roof. However, this can create problems down the line.
Patched roofs aren’t always watertight. You could experience additional damage from mold or mildew. It’s also difficult to exactly match certain roofing materials–meaning that the patches could be visible and diminish the value of your property.
This is where it’s important to know your rights. Florida building codes contain a 25% replacement rule. If your roof was damaged in a storm or covered event, you have the right to a fully replaced roof if more than 25% of your roof was damaged. Similarly, if more than 25% of a particular roof segment was damaged, the entire segment should be replaced.
We Stand Up To Insurance Companies Who Try to Deny or Undervalue Your Roof Damage Claim
Most insurance companies try to play by the rules. The unfortunate reality is that some will resort to bad faith insurance practice to avoid paying what you deserve. If that’s the case, our bad faith insurance lawyers at Allen Law Firm, P.A. can take legal action on your behalf.
Some examples of insurance practices that can rise to the level of bad faith under Florida law include:
- Failing to act in good faith to settle a claim
- Failing to pay under one portion of an insurance contract in order to influence an outcome under another segment
- Refusing to investigate your claim without justification
- Denying your claim without explanation
- Misrepresenting the terms of your insurance contract
- Requesting additional information without justification or explanation
- Terminating a policy without explanation or justification
Victims of bad faith insurance practices have the right to file a lawsuit for damages. You may be entitled to compensation for any types of damages that were reasonably foreseeable and caused by the delay in payment. You might also be entitled to recover attorneys’ fees and costs.
Statute of Limitations in Roofing Claims Cases
Your insurance policy is a contract. Under the Florida statute of limitations, you have five years to file a lawsuit for breach of contract. Florida’s bad faith insurance laws also require that you give the insurance company 60 days notice.
It’s always important to take action quickly if you suspect your rights are being violated. The sooner we act, the sooner we can get the money you need to fix your roof and prevent additional damage. We’re always available to take your call, so reach out today to discuss options in your case.
Why Was My Roof Damage Claim Denied?
It can be expensive to repair a roof. Because of that, insurance companies often look for ways to deny or reduce the value of your claim. Of course, there are legitimate reasons for denying your claim, Unfortunately, it’s often true that the insurance company is resorting to questionable tactics in hopes that you’ll simply give up.
Some of the most common reasons for denying an insurance claim for roof damage include:
- The age of your roof
- Your roof was damaged because of something not covered by insurance
- You failed to properly maintain your roof
- Blaming installation errors or manufacturing defects for the damage
- Failure to pay your premiums in full or on time
Homeowners insurance will only pay if your damage was caused by a covered event. However, it’s possible that multiple factors can come into play when a roof is damaged. That’s why we’ll engage experts who can provide proof about what really caused your damage.
Was Your Roofing Claim Denied? Call an Experienced Ocala Roofing Claims Lawyer For Help Today
Dealing with the insurance company can be frustrating, to say the least. Don’t let them give you the runaround as you fight to recover money for your storm damaged roof. Get the help of an experienced Ocala roofing claims lawyer at Allen Law Firm, P.A. to protect your rights.
Are you ready to learn more? Give us a call to schedule a 100% free consultation with a lawyer who can help.