Example: Roof claim denied as wear and tear after a windstorm
A Florida homeowner reports roof damage after a storm. The insurance letter says the roof condition appears related to age, wear and tear, deterioration, or prior repairs rather than a covered storm event.
Insurance Company Position
The insurer says the roof condition is age-related or pre-existing, not storm-created damage.
Scenario summary
A Florida homeowner reports roof damage after a storm. The insurance letter says the roof condition appears related to age, wear and tear, deterioration, or prior repairs rather than a covered storm event.
Documents That May Matter
- Denial or payment letter
- Policy, declarations, and relevant pages
- Carrier estimate or inspection report
- Contractor estimate
- Photos of the damage
- Claim communications and notes
Questions a Reviewer May Ask
- What date did the loss happen and when was it reported?
- What exact policy language or exclusion did the carrier cite?
- Are there photos, estimates, reports, or communications that show the timeline?
- Did the insurer request more documents or mention a deadline?
Mistakes to Avoid
- Do not ignore deadline language in letters.
- Do not rely on memory when documents are available.
- Do not post claim numbers, policy numbers, addresses, or documents publicly.
- Do not assume a denial automatically means bad faith.
FAQs
Can this discussion tell me whether I have a claim?
No. This page is general educational information. A lawyer or team member must review the facts and documents before legal advice is provided.
What is the safest first document to upload?
A denial letter, payment letter, carrier estimate, contractor estimate, policy excerpt, or clear damage photo is often useful for preliminary review.