What Is STATE FARM DENIED ROOF CLAIM and How Does It Work?
It’s no wonder homeowners are often confused about what a “roof” is or how it might be insured. If a homeowner is denied coverage for a damaged roof, she may not know what to do next. Likewise, if the only coverage is for the underlying building and not the roof, she may wonder why her insurance agent told her everything was covered under home insurance.
Well, that’s what happens when an insurance company denies a claim that should have been paid. The reasons for denial can vary, even though the outcome is often the same. It’s important to understand what State Farm considers a “roof” and how you can fight back if your insurance STATE FARM DENIED ROOF CLAIM.
What is a “roof” anyway?
If you think roofs are easy to define, think again. The word “roof” is not defined in most insurance policies. If a roof is not classified as a “covered structure,” then it will not be covered by your insurance policy. That means you’ve lost all coverage for that roof, including your structural coverage and any other damage to the roof.
“Covered structures,” on the other hand, are roof components that are specifically defined. Roofs of covered structures must have been damaged by a covered cause of loss (hurricane, fire, etc.) to be covered by your insurance under the “roof” section. If you have damage that isn’t related to an event like a hurricane or fire, then the damage will not be covered.
Here’s an example: Let’s say a large tree has fallen on your roof and caused thousands of dollars in damage.
You know that sinking feeling when you come home from work and find a note on your door saying “STATE FARM DENIED ROOF CLAIM”? It can be really frustrating, especially if you’ve already been paying your homeowners’ insurance premiums. But what does it actually mean? And what can you do about it?
What Is a Roof Claim?
A roof claim is disbursed by your insurance company when there is damage to your roof. This usually occurs when a storm hits, although some other events – such as animal damage or warping from long-term exposure to sunlight – can also cause the need for a roof claim. Basically, you have to show that your roof is damaged above a certain state of disrepair in order to be paid.
What Causes a Roof Claim to Be Denied?
A State Farm Denied Roof Claim for a number of reasons. The main culprit is that your insurance company might say the damage was caused by something other than weather or other natural disaster, such as an animal. Or, if you waited too long to make your claim – usually within two years – the insurance company might decide not to pay for it.
If a hailstorm or other natural disaster damages your roof, you can turn to the professionals at State Farm for help. But what does the word ‘state’ mean? A claim filed with a state farm will only be honored in that state—for example, if you file a claim in California, it may not be honored if you live elsewhere in the U.S
If your roof was damaged by hail or an earthquake, you may be able to file a claim with your state farm agent. But storm damage that results from a car accident or other event is not covered by the State Farm policy. You may want to contact an attorney to obtain further information about the law and coverage of this type of spillage.
State Farm offers three types of roof damage claims:
- Straight Hail Damage Claim
- Wind-Driven Rain Hail Damage Claim
- Comprehensive Hail Damage Claim
If you have a Straight Hail Damage claim, your roof was damaged by hail and the damage is covered by your policy. A wind-driven rain claim means excessive rain fell during a severe storm, causing water to be driven into your home. And a Comprehensive Hail Damage claim occurs when both hail and wind are involved in damaging your roof or home.
In addition to a STATE FARM ROOF CLAIM, you may be able to file a wind-driven rain claim with your State Farm agent. Contact your State Farm agent if you have a wind-driven rain claim that is not covered by your policy.
State Farm Denied Roof Claim: A roofing policy from State Farm that covers some costs for leaks, water damage and other areas of the building but only if you have a roof replacement or if the company denies your claim for another reason. This insurance is not sold in all states.
If your roof is leaking and you submit a claim with State Farm, it may turn out that you were denied coverage because your building does not meet specific criteria set by State Farm. If you believe your roof had been denied coverage, you should contact the State Farm agent to discuss what may have caused the denial and determine what your next steps are.
Contacting State Farm after a Roof Claim Denied: Contacting State Farm can be done either in writing or over the phone. If you contact the company over the phone, be sure to prepare before doing so by having all of your information at hand. Bring down any records that may help prove that you did not cause the damage and had no knowledge of it.
If you write to the company, be sure to include all of your roofing claim papers, any records that help prove the type of roof you have and any other information that may be helpful. If you believe there were errors or omissions on the claim, include those facts as well. State Farm will then investigate and respond to your written or verbal appeal in 10 to 14 days or less.