Sure, it’s far possible to be in this kind of situation. Unless there is proof of interior water damage resulting from rain getting in thru a wind-created opening on the roof, most policies will limit or deny coverage.
For instance, you’ve got damages in your kitchen due to a roof leak due to a hurricane. Soon after the loss is reported the insurance company sends an adjuster to inspect your property. After the inspection and the loss is documented, the adjuster determines there is no roof damage as a result of the hurricane. Therefore, there’s no coverage for the interior damages in the kitchen. You will receive a denial letter which includes a common policy exclusion to deny coverage. The following policy language should be known by all policyholders:
“This policy does not provide coverage for damages caused by wear and tear to the roof. Additionally, this policy does not provide coverage for rain, snow, sleet, sand or dust to the interior of a building unless a covered peril first damages the building causing an opening in a roof or wall and the rain, snow, sleet, sand or dust enters through this opening. Please refer to specifically, SECTION I- PERILS INSURED AGAINST. Therefore, we are unable to provide coverage for this claim.”
Having a claim denied is very stressful. Florida Claims Resources has years of expertise in assisting with roof claims especially with hurricane damage. We can guide you on how to properly mitigate the loss and proceed as per your insurance policy.
We have helped many clients who have had their claim denied. If your claim for property damage was denied and you have a valid claim, Alex De Aza will re-open the loss, negotiate with your insurance company, and insist they pay you. We are fully committed to the public. We do not represent or aid the Insurance Company. We represent YOU, the policyholder exclusively.
Hurricane Irma made landfall on September 10, 2017. Most policies allow 3 years after a hurricane to report hurricane damage. You still have time. If you have roof damage this is the time to call now. Florida Claims Resources ensures that your insurance company pays you the maximum amount possible for the damages in your home or business. We do not represent the insurance company, we represent YOU! Call for a free inspection. No obligations. Call today 954-345-7676
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