Alconero and Associates - What do insurance companies consider roof damage in Miami
25 Aug

The roof of your home plays a critical role in its structural integrity, and damage should be repaired as soon as possible. Hurricane damage, natural disasters, or other sudden events may qualify for coverage under your homeowner’s insurance policy. You can increase the settlement amount of your claim by working with a public adjuster in Miami and understanding how roof damage in Miami is covered.

The majority of homeowners are unaware of exactly what their policy covers and what it does not. Unless you are an insurance expert, many policies contain confusing jargon. Other times, the language can be too vague for you to know for certain if your particular roof damage is covered. 

It is up to the insurance company to determine what must be done. A problem with that is that is not working for your interests, and he or she is not an expert on roofing. As a result, your claim could be unjustly denied or you might receive less than what you deserve. In the event that your insurance company denies you, don’t lose hope. Simply reach out to an experienced public adjuster in Miami. The public adjuster will help you and work on your behalf to maximize the insurance claim and so you can get what you deserve from the insurance company.

What causes of roof damage in Miami are covered?

The most important thing to remember is that not all types of damage are covered.

As a structural component of your home, your roof should be covered by your homeowner’s insurance policy under the dwelling coverage. A clear understanding of roof damage will help you win your claim.

There are, however, limitations in most homeowner’s insurance policies regarding the types of damage that are covered. 

The following are some common named perils that may cause damage to a covered roof:

  • Strong hurricane winds
  • A lightning strike
  • Trees that have fallen
  • Fire
  • Falling debris
  • Vandalism

You should always review your policy carefully to make sure that it covers all scenarios. Talk to an experienced public adjuster in Miami if you are confused about your policy or if the insurance company disagrees.

However, the insurance company is never responsible for damage caused by the homeowner’s failure to maintain the roof.

What to do when you experience roof damage in Miami?

As soon as your roof has been damaged, you should ensure the safety of your family members and then your home itself. Immediately evacuate and contact the local fire department if there is fire damage. Report the incident to 911 if it is related to criminal activity.

Once the damage has occurred, you may need to take additional measures to protect the structure of your home. Depending upon the severity of the damage, you may need to shut down electrical lines that run through the attic.

As soon as it is safe, take pictures and document the roof damage to your home as soon as possible after you have taken immediate steps to protect your family.

The home’s exact state should be documented immediately after damage occurs. Take photos from different angles before you trim a tree or cover an area covered in a tarp.

Again, only do that if you feel it is safe to begin documenting the damages. When an outside storm is still raging or a property is unsafe, wait until the danger has subsided.

Keep in mind that your roof is part of your property and you have paid insurance premiums to protect it. Do not let an insurance representative cause you to lose out on a roof damage claim. You should instead rely on the services of a public adjuster in Miami.

Contact Alconero Public Adjusters who services the areas of Miami, FL, Fort Lauderdale, FL, Palm Beach, FL, for a FREE inspection.