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If you're a Florida resident who has suffered roof damage due to a recent storm, it's crucial to understand your rights and options when making a claim. Our legal team can help you through the process, from filing your insurance claim to negotiating with the insurance company in the event of a dispute. Contact Lacey Lyons Rezanka today by calling 321-608-0890 or filling out our form. We're here to help you get the compensation you deserve.

Filing a Roof Damage Claim in Florida

Florida is no stranger to severe weather, and homeowners need to be prepared for the possibility of roof damage. If your home or business has suffered roof damage as a result of a hurricane, tropical storm, or another severe weather event, the first step is to contact your agent or insurer as soon as possible and request a copy of your policy. Once you have your policy in hand, review the details of your coverage. Before filing your claim, it is essential to see what type of damage is covered and what limits apply.

Types of Roof Damage

Your insurance may or may not cover several types of damage that can occur to your roof, such as:
  • Weather damage: This is the most common type of roof damage in Florida and is typically caused by high winds associated with severe weather events such as hurricanes and tropical storms. Wind or weather damage can take many forms, including missing or damaged shingles, tiles, or other roofing materials; holes or punctures in the roof; and debris impact. Most policies cover wind damage, but there may be limits on the amount of coverage. For example, your policy may only cover wind damage resulting in a roof hole, or it may exclude damage caused by flying debris.
  • Fires: Fires are another common type of roof damage, and they can be caused by lightning strikes, electrical problems, or even careless smoking. Most homeowners insurance policies will cover fire damage, but there may be limits on the amount of coverage.
  • Tree Damage: A tree falling on your roof can cause severe damage. However, not all policies cover this type of damage. Some policies will only cover the damage if the tree was knocked down by high winds, while others may exclude it entirely, especially if the damage was due to neglect.
  • Vandalism: Although rare, your roof can also be vandalized. This type of damage is usually covered by homeowners insurance, but the amount of coverage may be limited.

Why Did My Roof Damage Claim Get Denied?

Unfortunately, insurance companies don't always play fair. There are many reasons why your insurance company may deny your roof damage claim, such as:
  • They claim your policy does not cover the damage.
  • They say the damage was due to neglect and not caused by nature.
  • They say the repairs will cost more than your policy limits.

What to Do If Your Roof Damage Claim Is Denied

If you believe that your insurance company wrongfully denied your claim, you have a few options:
  1. You can appeal their decision.
  2. You can negotiate with the insurance company.
  3. You can file a complaint with your state's department of insurance.
  4. As a last resort, you can file a lawsuit.
In any event, it is beneficial to seek professional assistance by hiring a lawyer. If your claim has been denied or undervalued, our attorneys can help. We understand insurance companies' tactics to limit or deny claims, and we know how to fight back. Contact Lacey Lyons Rezanka today by calling 321-608-0890 or filling out our form for a free case evaluation.  

Professional Legal Services

The greatest benefit of working with our team is that you don't have to deal with the insurance company yourself. Insurance companies are in the business of making money, not paying out claims. Our legal team can help level the playing field and ensure you get the settlement you deserve. It's essential to have an advocate on your side who understands the law and how to get results. When you're dealing with an insurance company, they will have a team of adjusters and lawyers working against you. We have the resources to investigate your accident, build a strong case, and get you the best possible outcome.

Have Someone in Your Corner

At Lacey Lyons Rezanka, we can also help if your claim has been denied or undervalued. We understand the common tactics insurance companies use to limit or deny claims, and we know how to fight back. If we need to take your case to trial, we're prepared to do that. If you're ready to get started, contact Lacey Lyons Rezanka today by calling 321-608-0890 or filling out our form.  We look forward to  helping you get the full and fair compensation you're owed.

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