Hurricane Irma Insurance Claims Deadline Approaching
Hurricane Irma caused massive property damage throughout Florida. Residential roof damage is one of the most common types of damage caused by Hurricane Irma. Unfortunately, roof damage can be very difficult, if not impossible, to notice.
Fighting a Denial of Coverage for Wear and Tear Roof Damage
Within the realm of homeowners’ insurance roofing claims, among the most common reasons why insurers deny claims is wear and tear. “Wear and tear” refers to the damage to your roof that happens as your roof ages, particularly as the roof reaches the end of its usable life. Wear and tear is almost always excluded by the terms of your insurance policy, so insurance carriers will deny a claim if they believe that the claimed damage was caused by normal wear and tear rather than by a covered event, such as a storm or a hurricane.
The Dangers of Right to Repair Clauses in Your Insurance Policy
When you file a claim with your insurance company after your property has sustained damage, the insurance company may elect to invoke its “right to repair” clause under your policy. These provisions may seem innocent enough at first glance. However, a “right to repair” clause may give an insurance company total authority in choosing which contractor to perform repairs covered under the insurance policy. In other words, you may lose control over selecting a reputable contractor who performs quality work.