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Roofing Damage Claims Lawyers

Is Your Insurance Company Being a Pain? Better Call Shane!

Insurance companies charge their monthly fees for property insurance, and they will even cancel your insurance if you cannot pay on time. Yet when it comes time for you to need your homeowner's insurance or business owner’s insurance to step up to the plate and take care of you and your family or business, you might be shocked to find that your insurer just wants to deny your claim or offer pennies on the dollar. You deserve to have someone who will fight for you to receive the care and coverage you were promised by the insurance company in the beginning, the promise that convinced you to purchase the roofing repair policy in the first place.

At Shane Smith Law, our attorneys proudly help people just like you with roofing claims for both residential and commercial claim denials. Fill out a consultation form and speak with one of our associates about what happened. We are committed to making insurance companies pay for roof damage repairs, just as they should have when you initially made your claim!

We represent roof repair policyholders in North Carolina and Georgia. Call (980) 246-2656 now to speak with a member of Shane Smith Law about your denied insurance claim.

What Does Roof Insurance Cover?

Every roof insurance policy will be different from the next, so every policy needs to be studied before purchasing it. Each insurance company will have its specific exclusions, coverage limits, and so on.

Although, the average roof insurance policy will cover damage from:

  • Falling objects like branches
  • Fire and smoke
  • Water, hail, or rain
  • Snow (damage from weight)
  • Lightning
  • Strong winds
  • Mold growth
  • Vandalism

If the roof of your home or business was damaged due to one of the above reasons, then it might be covered by your insurance policy. However, it is worth noting that some insurance companies sell policies for roof damage and separate policies for damage to shingles or tiles in particular. The exact type of damage done to your roof could significantly influence your coverage or lack of it.

Why are Roof Damage Claims Denied?

Legitimate reasons for roof damage claim denials can include:

  • Damage was pre-existing and irrelevant to the incident brought up in the claim.
  • Damage occurred due to typical wear and tear not covered by the policy.
  • Not enough documentation was provided when the claim was filed.
  • Claim was filed after relevant insurance deadlines expired.
  • Claim was filed incomplete so it could not be processed.

Was your roof damage insurance claim denied? Even if the reason appears legitimate on paper, you shouldn’t assume the denial was actually justified. In many cases, insurance companies will deny claims without proper reasoning, either making up a reason or not listing one at all.

If you are handed a denial letter after filing a roof damage claim, call (980) 246-2656 right away. Talk to a member of Shane Smith Law about scheduling a free and confidential consultation, during which we may be able to determine if the denial was unjustified and against the insurance company’s own policies. If it is, we can talk to you about what steps to take next to take legal action.

Documenting the Roof Damage

If your roofing damage claim has been denied, it is more important than ever to make sure you document the damage to your roof thoroughly. The insurance company is betting that you won’t be able to back up your statements with tangible evidence. Catch them off-guard by taking additional steps to document your roof’s damage.

To document the damage to your roof, you will want to:

  • Photograph the damage from multiple angles and distances.
  • Make copies of any pictures you have of the roof before it was damaged.
  • Note any secondary damage caused by the roof damage (such as internal water damage when it rains).



We Challenge Denials for Clients in Need – Call Now

If your roof damage claim was denied in North Carolina or Georgia, or Ohio, Shane Smith Law wants to hear from you right away. Our attorneys are always standing by to deal with insurance companies, so our clients don’t have to. Whether you think your claim was deliberately wrongfully denied or due to an insurance company mistake, we’ll be ready to fight for you.

Dial (980) 246-2656 about your roof damage claim and find the Shane Smith Law office nearest you.