Roof damage puts the structure and all building occupants at risk. The roof could cave in, leak, or harbor mold growth. Fixing these issues is expensive, but that’s where insurance companies come in. Because you pay your premiums every month, your insurance provider should give you compensation when damage occurs. Unfortunately, the road to getting what you need isn’t always smooth, especially if it’s your first time filing a claim.
An Estero roof damage insurance claims lawyer from our firm can represent you during this process. Our firm has been serving clients since 1995, so we know what to expect from insurance companies and the nuances that can arise throughout the claims process. Give GED Lawyers a call today. During your free initial consultation, you’ll learn more about how our Estero property damage lawyers can help you.
The Benefits of Hiring Our Estero Roof Damage Insurance Claims Attorneys
Understanding the ins and outs of the insurance claims process takes time, and that’s not something most people have when dealing with roof damage. If that’s you, you’re probably trying to make temporary living arrangements and schedule necessary repairs.
Hiring an Estero roof damage claim lawyer will enable you to focus on your family and other important matters. In the meantime, your attorney will handle these tasks:
- Collecting documentation to substantiate your claim
- Reviewing and explaining your insurance policies
- Establishing your eligibility for coverage
- Managing correspondence with the insurance company
- Filing your roof damage claim
- Appealing a denial, if necessary
- Negotiating a fair payout of your claim
Most property damage claims are resolved out of court. However, if the insurance company doesn’t cooperate, we can continue the fight in court. Our team of Estero personal injury lawyers provides mock trials, which differentiates us from other law offices in the area. We will be ready to take this step if necessary.
Everyone deserves to access legal representation, and we make that easier for our diverse community. For example, we have multilingual team members fluent in Spanish, Portuguese, Greek, Turkish, Russian, Arabic, and Creole. In addition, we work on a contingency–fee basis, so we don’t get paid unless we win for you. Our team is committed to putting our clients first, and our testimonials exemplify that.
Common Causes of Roof Damage in Estero, Florida
The roof is one of the most vulnerable structures of a home, making it susceptible to severe damage. Wind damage, water damage, and fire damage are some of the most common culprits. Sometimes, strong winds can cause shingles to curl, break, or completely blow off the roof. In more severe cases, a tree, a powerline, or other debris could fall on it, collapsing the ceiling and creating holes in the structure.
During or after heavy rainfall, mold growth, wood rot, roof leaks, and sagging ceilings could occur. Lightning could strike a nearby electrical system or powerline, sparking a fire. As a result, the roof structure could be charred, or sections of it could be warped.
All of these types of roof damage could give you the foundation of a property damage claim. An Estero home insurance claims lawyer at our firm can check what’s covered under your policy and help you file your claim from there.
What Happens if the Insurance Company Denies Your Roof Damage Claim?
Unfortunately, homeowners insurance policyholders frequently face claim denials. With so many details, it’s easy to miss a step in the process or overlook something. An insurance company may reject a claim for roof damage for several reasons, such as:
- The event that caused the roof damage is not a covered peril
- The homeowner did not properly maintain the roof, leading to wear and tear that caused the damage or made it worse
- Misrepresentation of the policy terms and conditions
- Insufficient evidence of the damage
- Poor maintenance
- Lack of preparation
One of our attorneys can investigate to understand the reason for your denial so they can build a more robust claim and file an appeal.
Sometimes, the reason behind the denial is unfounded, and we may find the insurer is employing bad faith tactics. In that case, an Estero bad faith insurance lawyer from our team can take legal action to compel the insurance provider to cease this poor treatment and cover your repairs. Call GED Lawyers today for more information.
Do Not Delay Getting Started on Your Estero Roof Damage Insurance Claim
Acting quickly after roof damage is critical for a lot of reasons. According to Florida Statutes § 627.70132, the state generally allows one year from the date of loss to file a claim. Failing to file before the deadline could release the insurance company from its responsibility to pay your claim for damages. Getting our Estero roof damage insurance claims lawyers involved early in the process will help lessen this risk.
Additionally, insurance companies often require policyholders to inform them about damage as soon as it happens. Notifying them will also commence the claims process, and you’ll want to complete the following tasks to ensure you’re on track to receive coverage:
- Document the scene: Take pictures and videos of the roof damage.
- Make temporary repairs: For example, you could cover any roof leaks with a tarp.
- Get an inspection: An inspector can evaluate the roof damage and determine necessary repairs.
- Start a file: Keep all receipts for cleanup and relocation, invoices for services, and repair estimates to prove your losses to the insurer.
If you need to include other information in your claim, your attorney will help you collect it so you can submit the strongest claim for coverage.
Hire Our Estero Roof Damage Insurance Claims Attorneys Today
Don’t go through the process of seeking coverage for your roof damage alone. Our Estero roof damage insurance claims lawyers will guide you through the process and provide exceptional service. We have recovered over $26 million for our clients and are ready to serve you.
Contact GED Lawyers today for a free consultation. We‘re available for weekend and evening appointments if needed.
