This information may be surprising to some homeowners because many insurance policies that involve homes and other real estate include a “wear and tear” exclusion. The wear and tear language usually only applies to the roof itself, which means that the policy will only offer coverage on roof repairs in cases where an accident causes the damage. Despite this, the loss resulting from such a leak may be insured.

Because this type of coverage is so common, some insurance providers may conduct inspections on the policyholder’s property, checking the roof of the building for signs of deterioration. In cases where the roof might be damaged due to wear and tear and no other water damage has occurred, the provider may ask that the policyholder have the roof replaced or repaired. The insurance company may threaten the cancellation of the policy if repairs are not made.

In many cases, a policyholder may not be completely sure what type of coverage they have, which can be detrimental and costly when damage occurs. Furthermore, filing an insurance claim may be a complicated endeavor. However, it may be possible to discuss an insurance claim with an attorney. That attorney may be able to provide advice throughout the claims process and could offer representation in any negotiations with insurance agents.

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

If your insurance company is dragging their 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 directly at 800.451.6786 to schedule your free consultation. We help Florida residents just like you fight the big insurance companies who fail to abide by their own 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.