Topic

Roof Claims

Roof claim disputes often involve storm damage, age, wear and tear, prior repairs, matching, discontinued materials, and inspection findings.

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Composite example - not a real client story

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.

roof claims · Educational information only

Common positions and documents

Common insurer positions

Wear and tear
Age or deterioration
No storm-created opening
Prior repairs

Documents often requested

Denial letter
Policy
Carrier estimate
Contractor estimate
Roof photos