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Roof Damage Claims

Waking up to the devastation of a storm-damaged roof is an all too common occurrence for homeowners. The aftermath can bring on a whirlwind of worries – expensive repair costs, an intricate insurance process, and the burden of an unforeseen financial commitment. This stressful situation can be overwhelming, leading to feelings of uncertainty and frustration

However, you don’t have to navigate this process alone. At The Morgan Law Group, we specialize in roof damage claims in Pensacola. Our team is well-versed in the ins and outs of insurance claim procedures and will ardently advocate for your right to comprehensive coverage. Let us alleviate your stress and guide you step by step toward a successful claim resolution.

Coverage of  Roof Damage Insurance

The coverage of your roof damage insurance claim hinges on your specific insurance policy. In general, insurance companies cover “perils,” or causes of loss, such as fire, windstorm, hail, aircraft, riot, vandalism, explosion, and others. This is typically known as an “open perils” policy.

However, it’s essential to understand that not all policies are created equal. Some only cover “named perils,” or specifically listed causes of damage. Others may have exceptions for “acts of God,” such as hurricanes or floods, which are frequent. There may also be limits on payouts for certain types of damage, and the age or condition of your roof may affect your coverage.

What Constitutes a Roof Damage Claim in Pensacola?

A roof damage claim can stem from numerous situations, which typically include functional, cosmetic, or material damage to your roof due to various causes such as extreme weather conditions, falling objects, or even unforeseen incidents like vandalism.

Understanding what kind of damage constitutes a valid claim is crucial. Functional damage relates to instances where the efficiency of your roof is compromised, like leaks or structural instability. Cosmetic damage, on the other hand, pertains to conditions that affect the aesthetics of your roof but may not necessarily disrupt its function, such as discoloration or denting. Material damage involves the physical deterioration or alteration of roofing materials, for instance, shingles being blown off in a storm or cracked due to hail.

Each of these categories can constitute a valid claim, depending on your specific insurance policy’s terms and coverage.

Should You File a Roof Damage Claim?

Filing a roof damage claim is a decision that depends on several factors.

A significant aspect of law to consider when assessing roof damage is the 25% Rule under the Building Code. This rule states that if 25% or more of a roof or a roof segment requires repair due to damage, the entire roof or segment must be replaced rather than merely repaired. This rule is designed to ensure structural integrity and safety in a state prone to severe weather conditions. Thus, even if an insurance policy prefers to pay for repairs, homeowners may be entitled to a complete replacement of the roof or a segment of it if a quarter or more of it is damaged by a covered peril.

Determining whether your roof damage falls within these categories or triggers the 25% Rule can be complex. Having a roof damage claim lawyer on your side can provide invaluable assistance in this evaluation, ensuring that your claim aligns with your insurance policy’s coverage and building regulations.

How to File a Roof Damage Insurance Claim

Filing a roof damage insurance claim involves a series of steps.

  • Document the Damage
    Take clear photographs of all visible damage. It can also be beneficial to take pictures of the undamaged parts of your roof for comparison.
  • Notify Your Insurance Company
    Contact your insurance company as soon as possible to report the damage. They’ll provide you with the necessary claim forms and instructions.
  • Prepare a Detailed Statement
    Write down a detailed account of what happened, including the date, time, and any contributing factors.
  • Obtain Repair Estimates
    Gather estimates from reputable roofers to determine the cost of repairs or replacement. This information can be crucial when negotiating with your insurance company.
  • Engage a Roof Damage Claim Lawyer
    A lawyer specializing in roof damage claims can assist you in the process, ensure your rights are protected, and help you get the maximum claim payout.

The process of filing a roof damage insurance claim can be complex and challenging without proper guidance. The Morgan Law Group can provide the expertise and support needed, ensuring your claim is handled professionally, and your rights are protected.

Choosing a Roof Damage Claim Attorney

When selecting a roof damage claim attorney, consider the following:

  • Experience
    Choose an attorney with extensive experience in handling roof damage claims. This expertise is crucial because they’ll understand the intricacies of the process, the insurance companies’ tactics, and specific laws concerning roof damage claims.
  • Reputation
    Check online reviews and testimonials about the attorney or their law firm. You can also look at their standing with the State Bar Association. If possible, ask for referrals from past clients to understand their experiences and satisfaction level.
  • Case Results
    Look at the track record of the attorneys. Have they won similar cases in the past? A successful track record will indicate their ability to handle your case effectively.
  • Initial Consultation
    Arrange for a consultation, which is often free. This meeting can give you a sense of their professionalism, knowledge, and approachability.
  • Fee Structure
    Understand the fee structure. Most attorneys in this area work on a contingency basis, meaning they only get paid if you win your case. Make sure to clarify this and understand any potential costs upfront.

Choosing an attorney is a vital step in a roof damage claim process, so take your time to make an informed decision. With the right guidance and advocacy, you can secure the compensation you deserve.

At The Morgan Law Group, we’re ready to stand by your side. Contact us today to start the process and let us shoulder the burden of your roof damage claim.