Homeowners' insurance policies will generally exclude roof replacements if the roof was not damaged by wind, hail, or other associated problems. However, while excluding roofs worn from aging, most policies will cover losses caused by the roof’s condition. This can include water damage inside the home caused by an old, worn-out roof. However, Insurance companies may inspect the homes for which they carry policies, and if a roof is left in a very worn condition, the company may cancel the policy.

Coverage to replace roofs damaged by storms, including wind and hail, should be available to most homeowners with insurance policies. Homeowners whose roofs suffer damage in a storm may face a problem if the insurance company’s inspector determines the roof’s damage was primarily due to its worn-out condition.

People in Florida typically pay a lot to insure their homes with the idea that carrying such insurance can protect them while also giving them peace of mind. Navigating the claims process can be complex, especially when dealing with a denied roof insurance claim. Hiring an insurance claim lawyer can significantly alleviate the burden and increase your chances of a successful outcome.

The Importance of Documenting Roof Storm Damage

Proper documentation of roof storm damage is crucial when filing an insurance claim. Insurance companies require evidence to support your claim and determine the extent of the damage. By providing detailed documentation, you increase your chances of receiving a fair settlement.

As soon as it's safe to do so, take photographs of your roof from various angles to capture the extent of the damage. Ensure that the photos are clear and show the specific areas affected. It's also helpful to take photographs of any fallen trees or debris that may have caused damage.

In addition to photographs, make detailed notes about the date and time of the storm, as well as the specific weather conditions. This information can support your claim by establishing a clear timeline of events.

If possible, gather any receipts or invoices for previous roof repairs or maintenance. This documentation can demonstrate that your roof was in good condition before the storm and help establish the extent of the damage caused by the storm.

Filing a Tampa Roof Storm Damage Insurance Claim

Filing a roof storm damage insurance claim in Tampa requires careful attention to detail and adherence to your insurance company's specific procedures. Following these steps can help ensure a smoother claims process:

  • Contact your insurance company promptly: Report the damage as soon as possible and provide them with the necessary information, such as the date and time of the storm and a description of the damage.
  • Document the damage thoroughly: Take photographs, make detailed notes, and gather any supporting documentation, such as receipts for previous repairs.
  • Review your insurance policy: Familiarize yourself with your coverage limits, deductibles, and any exclusions that may apply. This knowledge will help you navigate the claims process more effectively.
  • Meet the insurance company's requirements: Follow their instructions regarding documentation submission, inspections, and any other steps they require for processing your claim.
  • Keep records of all communication: Document all conversations and correspondence with your insurance company, including dates, times, and the names of the individuals you speak with.

Seeking Legal Help for Tampa Roof Insurance Claim Denials

An experienced attorney specializing in insurance law can provide valuable guidance, navigate the legal complexities, and advocate for your rights. Here's how an attorney can assist you:

  • Legal Expertise: An attorney specializing in insurance law understands the intricacies of the claims process and can provide expert advice tailored to your specific situation.
  • Negotiation and Settlement: Attorneys have the skills to negotiate with insurance companies, ensuring that your rights are protected and that you receive a fair settlement.
  • Litigation Support: If necessary, an attorney can represent you in court and litigate your claim. They will gather evidence, present your case, and fight for the compensation you deserve.

During the claims process, you will be assigned an insurance adjuster who will assess the damage and determine the value of your claim. It's important to understand that insurance adjusters work for the insurance company, and their goal is to minimize the amount the company pays out for your claim. When you hire Williams Law, P.A., one of our expert insurance lawyers will handle all communication with an adjuster and the insurance company on your behalf. 

Has Your Home Insurance Company Denied Or Undervalued Your Property Damage Claim In Florida?

If your insurance company is dragging its feet regarding your property damage claim, you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Florida law office at 800.451.6786 to schedule your free consultation. We help Florida residents like you fight the big insurance companies who fail to abide by their policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case. 

K.C. Williams III
Managing Partner who has spent his entire career representing Florida insurance and personal injury claims.