Statute of Limitations on Insurance Claims are Running Out for Those Affected by Hurricane Irma
Property insurance hurricane claims have time limits per Florida Law Statute 627.70132. Any damage incurred from a hurricane or windstorm must be claimed within three years of the incident, which means the clock is ticking for anyone seeking compensation due to problems stemming from Hurricane Irma.
Irma was a category 5 hurricane at its peak that wreaked havoc throughout the Caribbean and into Florida late in the summer of 2017. As we come up on that anniversary, it is vital to get in touch with an experienced insurance claim attorney who can help you with the process.
Explaining Roof Damage Insurance Claims
There can be all sorts of difficult circumstances to navigate when filing a roof damage insurance claim. Any insurance company can try to reject your claim or not pay you the full amount you are seeking. An insurance claim attorney can help you through these potential pitfalls because they best understand what losses insurance companies are obligated to cover. They work on your behalf with the insurance company to make sure you get the most out of your policy.
Common Issues With Your Roof
These are some of the best indicators that you have roof damage:
- Missing shingles
- Lifted shingles
- Shingles or tiles that have been either partially repaired or replaced
- Shingle granules collecting in gutters
- Tiles that are missing or cracked
- Lifted tiles
- A damaged ridge-line
How Storm Damage and Roof Leaks Occur
High winds, hail and other serious weather events are just some of the factors that can cause roof damage. Getting your roof inspected as soon as any major storm passes can be a great way to protect your investment and make sure any problems stay mitigated.
Leaks that follow a big rainstorm are a common trigger that makes people get their roofs looked at. But regardless of whether a big storm has occurred, it is recommended that, at a minimum, you have your roof inspected by a competent and licensed roofer twice a year and after significant weather events.
The Process Behind Roof Insurance Claims
One of the biggest issues with roof insurance claims is figuring out exactly what is covered under your homeowners insurance policy. Standard policies do typically cover unexpected and accidental damage.
Anything that happens during a storm or that is the result of fallen or wind blown debris should be covered. However, during your attempt to bring your home back to its pre-storm form, insurance companies can argue with certain aspects of your claim.
These scenarios are where insurance claim attorneys can come in handy because they have experience dealing with similar disputes and claim denials.
What Roof Damage is Not Covered By Your Insurance
As you can see, most common occurrences of damage by things like storms, hail and debris are covered under your homeowners policy. However, there are specific forms of damage that are not covered, including:
- Wear and tear on an older roof
- Any policy that has exclusions related to wind and hail events
- Negligence on a roof that suffered storm damage or has had leaks for years
What an Insurance Lawyer Can Do For You
Insurance lawyers, like Tighe P.A., are the first people to call when you want an accurate estimate for your roof damage. Why? Because rather than trusting the word of an adjuster whose income is tied to the insurance company, we send an independent loss consultant to your property to safely survey the roof to obtain an unbiased assessment of the damage that can be sent to your insurance provider.
In most states, it is also illegal for a roofing contractor to negotiate with the insurance companies. If you have any damage to your home, let an experienced Insurance claim attorney represent your interests when the insurance company disputes how the roof damage occurred. Don’t let your insurance company make you a victim a second time.