How to Get Insurance Company to Pay For New Roof
First, you need to have a covered loss from Wind, Hail, or other covered peril according to your policy. Secondly, the claim might have to show certain traits as a result of the covered peril, like “opening in the roof” such as cracks, any type of openings in the roof.
Let’s get into some tips, ways, and strategies on how I get insurance companies to pay my clients for a new roof and get the damages in their house covered, such as wall, ceilings, floors, etc…
1. No offense to Roofers, but they should not handle your claim.
Roofers are our friends, they can help bolster and strengthen your roof claim by documenting the damages and help be an “expert” on your behalf. However, they do not have the knowledge to handle your claim. Roofers and Public Adjusters should team up to make the partnership and your claim solid to get your roof claim and the damages in your home paid.
Here is a short list of why you shouldn’t let a roofer handle your claim:
- No experience dealing with recorded statements– will they prepare on what to say? will they know what questions might be asked? How to answer those questions? NO!
- No experience in filling out a proof of loss– Look at your policy, more than likely it states, if you don’t fill out a proof of loss, they don’t have to cover your claim.
- No experience dealing with insurance company engineers– Insurance companies often send engineers to inspect your roof so that they can give a negative report about your roof to the insurance company, which will then enable the insurance company to deny your roof claim.
- A big mistake roofers do with roof claims, have you present when adjuster comes– I make sure to never have my client around when the adjuster comes in order to prevent questions being asked by adjuster and homeowner answering those questions because it could come back to hurt your claim.
There are many other reasons why I believe Roofers and Roofing Contractors should only handle the “damage” side of things and let a professional handle the intricacies of a claim. The way claims are handled today, is far different than even 5 years ago. Insurance companies are fed up paying for new roofs and they are at war with Homeowners, Roofers, Public Adjusters, and Attorneys.
2. Hiring a Public Adjuster helps protect your claim
An invaluable service public adjusters is handling your claim. They will help “coach” you on what to say:
a. when you file the claim
b. when the insurance adjuster wants to take a recorded statement
c. when the adjuster comes out to inspect your home
Furthermore, they will be able to estimate all the damages, not just the damages to your roof, including the interior of your home such as water damage to your ceilings, walls, floors, etc…With water damage comes mold so a good public adjuster will be able to take care of all your damages, not just the damage to your roof.
Finally, there are so many other parts on a roofing claim that are crucial to ensure the insurance company pays for a new roof. I see this over and over again where homeowners try to handle their roof claim without any public adjuster and they end up getting their roof claim denied.
3. Document the damages to the roof tiles (Asphalt or Concrete Tiles)
For Asphalt Shingles, the roofer should document by using chalk to circle the damaged areas and take photos, here is what the roofer should look for:
a. Mark where issue with adhesion
b. Mark where the uplifted tiles are
c. Mark where the missing or torn tiles are
d. Mark where they are brittle
e. Mark where the wind caused the nails to pull thru
f. Mark all damaged shingles
For Concrete Tiles or Cement Tiles, the roofer should document the damage to these tiles the same way by taking chalk to circle the areas and take photos, here is what the roofer should look for:
a. Mark cracked tiles
b. Mark underlayment issues
c. Mark Uplifted Tiles
d. Mark where the foam is no longer holding the concrete tiles down
4. Use your State’s Building Code and Laws (if applicable) to your advantage
Research by using google what building code says about “roof replacement in Florida building code” as an example of what keywords to put into Google Search.
The magic phrase is the following: “roof replacement (your state) building code”
Also, for State Laws, the google search phrase should be “roof replacement laws in (your state) insurance” or “new roof laws in (your state) insurance”
5. Put pressure on Insurance Company by using Laws to your advantage
In Florida, a good public adjuster who has a Lawyer that he partners with, can file a CRN, otherwise known as a Civil Remedy Notice. This puts the insurance company on notice, that they should make a good faith effort to settle this claim in 60 days. Additionally, the CRN will outline, all the “bad faith” claim handling mistakes the insurance company made from the start of the claim. A good public adjuster will have all this documented so the attorney can be very specific on the details.
The main advantage of a CRN being filed for homeowners in Florida with a roof claim is this:
Once the claim is settled, we can file a Bad Faith Lawsuit against the insurance company for the way they treated you.
Hiring a good public adjuster from the start is key in getting the insurance company to pay for a new roof. My video gives many helpful ideas and tips to help based on my years of experience in handling roof claims. Partnering with the roofer is key to help get your roof damage claim paid. Insurance companies are fighting roof claims and denying roof claims more than ever so don’t let the insurance company discourage you from fighting your claim or filing a claim.
If you have any questions on a roof claim, roof leaks, or roof replacements, feel free to call me direct at:
Mike (754) 252-5438