Roof Damage Claims Attorney Miami
Coverage Disputes & Fair Compensation for Roof Damage Claims
A hurricane, tropical storm, strong wind, or fire may cause significant damage to your roof. When this occurs, you will need to get it repaired as soon as possible to avoid further damage. If repairs are significant, you will most likely need to file a claim with your homeowners’ insurance company. While you would hope or even assume that roof damage would be covered without question, you may find that the claims process is far from easy to handle.
Many home insurance providers have specific roofing or construction companies that they hire to evaluate claims. Although these professionals should be neutral and provide fair assessments, some may act in the best interests of the insurance company. They may say that a claim is not covered due to improper maintenance or an issue with installation. They may say that it was a defect in the roofing that caused the damage. If your claim has been denied or you are experiencing any problems at all, you may need an attorney to protect your interests.
With our experience handling roof damage claims for Miami homeowners, we at Englander Peebles can properly present your claim, including all necessary documentation, to help you pursue a fair recovery. We work with experienced roofers, engineers, contractors, and other trusted professionals to expose wrongdoing and prove the true source of damage.
Call (954) 226-9134 to speak with a Miami roof damage lawyer at our firm.
What Causes Roof Damage?
Roof damage may be caused by natural disasters or accidents. In Florida, wind damage is a primary concern, typically linked to hurricanes and tropical storms. The perimeter of the roof will be most susceptible to damage from high winds, as may any areas with weakened adhesion or defective roofing materials. As a homeowner, you should inspect your roof after a storm to check for damage. You should also keep gutters and downspouts free from debris and should keep your trees trimmed away from your roof. If you notice damage, get a professional to inspect and repair it as soon as possible.
Englander Peebles deals with roof damage claims caused by:
Ways of Protecting Your Roof From Damage
Protecting your roof from damage can be easy if you know what to do. Here are five tips that will help maintain and preserve the integrity of your home:
- Check your gutters for clogs or debris. It is a hassle cleaning clogged gutters, but if you don’t do it regularly, they can lead to damage to your home and cause roof leaks during heavy rain.
- Make sure that all vents are clear and not blocked with snow, leaves, or other debris.
- Inspect the roof for damage regularly. Ensure you make a note of any spots where water is pooling. Uncovering them will help you spot what needs to be fixed before it gets worse. That will stop rainwater from seeping into walls near vulnerable areas like electrical outlets.
- Keep trees away from the roof to avoid overhanging branches. Those overhanging branches can scrape and damage the roof. Broken branches can also fall off the tree and damage the roof.
- Consider installing a new roof if you have an old one that is reaching the end of its lifespan.
Steps when Filing Roof Damage Insurance Claims in Miami, FL
Evaluate the Roof Damage
Try figuring out the extent of the roof damage. If you’re not sure what damage your roof has sustained, it might be a good idea to call in one of the many contractors that specialize in assessing roofs.
Finding Out What Your Insurance Carrier Covers
It is essential to know your rights with your insurance plan when filing for an insurance claim. Review your contract and note any other details relevant to filing any damage claim. For example, what types of roof damage your insurance company covers.
Documenting Everything in Your Insurance Claims
After finding out exactly what’s wrong with your roof, you have to provide certain documents to your insurance agency that validate the damage claim. A detailed report of everything that is damaged and what will need fixing should be submitted. Photos from before and after any damage occurred on the property should be made available.
Contact Your Home Insurance Company
Suppose you delayed making your claim or did not get repairs done soon enough. In that case, it’s unlikely your insurance company will cover the costs associated with repairing the damage.
It’s important to let our team know right away whenever something happens concerning roof damage. Our law firm can help you through the process.
Finding a Local Roofing Company
You’ll need to visit a local roofing company soon. They can provide you with an estimate of the cost of fixing the property damage to your roof and specify whether it needs to be replaced entirely.
Filing Your Insurance Claims
With help from our attorney, you should file a claim using the form provided by your insurer. Include all necessary information and evidence on this form to make sure you are compensated for any losses incurred. If you are forced to leave home due to extensive repairs being needed at your residence, then provide receipts if you had to spend time in a place that you had to pay for, such as a hotel or motel room.
Contact an Insurance Adjuster
An insurance adjuster must come and assess your home to validate the claim. If you are able, it would be beneficial if a contractor was present when they arrive to discuss repair needs together. Englander Peebles law firm will provide an expert attorney to help you in the assessment of your insurance claim.
Repairing or Replacing Your Roof
Hiring a local roofer in Florida is the last step in fixing your home from sustained roof damage. Once you have received approval for the settlement and it’s sufficient to cover roof repairs or replacement, find a professional company with good customer reviews that will take care of everything.
What Happens When Insurance Companies Deny Your Insurance Claims
Insurance companies are, first and foremost, businesses. For this reason, they may be seeking excuses to deny claims even if the insurance claim is valid. Sometimes, the legitimate denial of a claim can happen. But other times, denials might have been done in bad faith by insurance companies looking to maximize their profit margin.
Reasons for Denial of an Insurance Claim Include:
Disagreement on Cause of Roof Damage
This is a tricky situation, which is why it's essential to document all the damage that you can. Professional inspections and your photographs will help prove the cause of the property damage. This comes in handy in case of a damage insurance dispute with the company about the insurance claim.
Failing to Meet the Requirements
When it comes to your insurance policy, you need to be aware of the conditions and requirements. For example, if they believe you have not met any specifications or qualifications for this type of claim in a roofing case, they can deny the claim.
If the damage is extensive, your insurance company may try to lowball you about how much they will give for it. However, a professional inspection can help them see that what would be needed for repair exceeds their estimate and possibly convince them to pay up.
Do not worry if you feel you have a denied and underpaid homeowners’ insurance claim from roof damage. Our law firm can provide you with an experienced insurance lawyer to help with your home insurance.
Coverage for Partial Roof Damage vs. Total Replacement
The roofs on homes, apartments, and condominiums in Miami and throughout Florida take a frequent beating. Frequent rain, wind, and severe weather can cause damage ranging from cracked or missing tiles to destroyed roofs that must be replaced entirely. An insurance company may claim that only part of the roof needs to be replaced, undervaluing the claim or even denying it altogether. Utilizing experts of our own, we can work to prove the full value of your claim for repairs or replacement.
In addition to pursuing compensation for the cost of all roof repairs, we will seek coverage for resulting water damage, structural damage, damage to personal property, or other issues caused by a leaking roof. We will also review your policy to determine whether the cost of securing a rental property is covered, if you had to move out of your home during repairs.
To learn more about the ways Englander Peebles can help you, call (954) 226-9134 or fill out our online contact form. If you work with our firm, no detail will be overlooked as we handle your roof damage claim.
Their timely response to my questions and concerns was impeccable, unlike other places that I've sought for counsel.- Preea T.
Extremely knowledgeable and got the settlement I deserved!- Paulina S.
Very caring towards their clients and very professional!- Darren E.
My experience with this firm was phenomenal from start to finish!- Chris U.
Professional, compassionate and straight forward!- Kim C.