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State Farm Denied Roof Claim: What to Do Next

by janeausten
State farm denied roof claim

State Farm agents are supposed to take a close look at roof claims in order to prevent fraud and make sure their customers get the full value of the insurance they purchased on their homes. Unfortunately, many insurance companies do not actually follow this procedure, instead finding any excuse possible to deny the claim and keep their money. If you have been denied a roof claim by State Farm, it doesn’t mean you can’t fight back and get your home fixed at 100% coverage. Here’s how to go about doing that.

Check your policy

State farm denied roof claim? Don’t panic. The first thing you should do is check your policy for any exclusions or limitations on the type of damage that was done. If there is an exclusion, then state farm has no obligation to pay for this type of damage. If there is not an exclusion, then state farm may be obliged to pay for the damage under your policy and it would be a good idea to file a timely appeal with state farm. State farm denied my roof claim? What to do next? Check your policy: state farm has a duty to pay if there is no exclusion clause in the contract. Appeal promptly, as long delays can result in denials due to waiting too long before filing. All state farm denial appeals should include: (1) a complete copy of the original policy including declarations page; (2) evidence of loss incurred; (3) all supporting documentation such as pictures and receipts; and (4) proof that reasonable attempts have been made to minimize damages.

Gather your documentation

If you were unfortunate enough to experience a roof leak, it is important that you contact your insurer and file a claim for the damage. State farm denied roof claim because I had a 10-year-old roof. The best thing you can do is make sure that you have all of the documentation from your contractor as well as any receipts related to the purchase or repair of your new roof. You will also want to take pictures of the damaged area. This will help provide evidence if there are any disputes over what caused the damage and whether or not the damage was preexisting. Let’s say that State Farm agreed to pay for the repairs but then something else happened on my property. They may look at this event in combination with the original occurrence when evaluating your claim.

If you paid for a new roof out of pocket, State Farm may reimburse you up to $1,000 for temporary repairs such as covering holes with tarps until they send someone out to assess the damage.

State Farm did not cover part of my expenses when they said they would because they said it was pre-existing so I contacted them again and they finally agreed with me and started paying me back what they owed me! It was frustrating dealing with them though because they didn’t give me much information about how to appeal their decision other than telling me to go talk to another representative which would be time consuming and costly. So I just kept calling State Farm representatives until I found one who understood the situation and helped resolve it quickly.

Submit a appeal

If you are denied a roof claim, don’t give up. State farm denied roof claim on the following conditions: (1) the damage occurred from an act of God, fire or vandalism, (2) the damage was caused by freezing of plumbing pipes, or (3) your roof does not meet standards for wind resistance. If none of these apply, it is likely that State Farm can still help you file your claim and provide you with some relief. You should submit an appeal as soon as possible. State Farm will investigate your claim to find out if any of the reasons listed above apply. You may be contacted with more questions or have someone come out to inspect your property if necessary. State Farm will contact you within 30 days after submitting an appeal if they need more time, but they will make every effort to respond in 20 days or less. If State Farm denies your roof claim again, there are still other things you can do to protect yourself financially.

Hire an attorney

If you have a state farm denied roof claim, it is important that you contact an attorney as soon as possible. Though State Farm is often considered a reputable company, they are not infallible and sometimes make mistakes. If this is the case with your claim, your best course of action will be to hire an attorney who specializes in insurance claims so that they can help you get the compensation you deserve. A law firm called The Law Office; PLLC has successfully helped many people resolve their state farm denied roof claim disputes. The attorneys at this firm are knowledgeable about the intricacies of insurance law and know how to take on these large corporations on behalf of consumers.

If you believe that state farm denied roof claim

State Farm is one of the most widely used insurance providers in America. As such, State Farm is usually considered a reliable company by consumers. However, like any other large corporation, State Farm can make mistakes from time to time. If you feel as if State Farm has wrongfully denied your claim in regards to a roof repair or replacement that was warranted under their policy, it’s imperative that you work with an attorney who specializes in insurance claims to ensure that your state farm denied roof claim disputes are handled properly.

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