State Farm denied my roof claim! I was completely devastated when I found out, especially since I had no idea what to do next. But after spending quite some time searching online and speaking with a claims representative at my insurance company, here’s what I learned you can do if you find yourself in the same situation as me.
What happened?
Last month, my roof was damaged in a severe storm. I filed a claim with my insurance company, State Farm, and was expecting them to cover the cost of repairs. However, State Farm denied my claim, saying that the damage wasn’t severe enough to warrant coverage. I was shocked and disappointed. The home inspector even told me that there was no question about whether or not State Farm would cover it. But they still refused to pay up. Fortunately, I knew better than to give up so easily.
I called State Farm denied my roof claim customer service on Monday morning and got right through to someone who had experience dealing with these types of claims! He assured me he would look into it as soon as possible and get back to me later in the day.
When he called back later that afternoon, he informed me that State Farm had reconsidered their decision after reviewing the pictures from my home inspection again. They agreed to cover all costs associated with repairing my roof! I’m relieved and grateful that State Farm took the time to reconsider their initial assessment. If you’re reading this because you’ve been denied for coverage for your own roof, don’t worry: sometimes an appeal can make all the difference!
How much did it cost?
I was absolutely devastated when State Farm denied my roof claim. I had just paid off my mortgage, and now I was facing a huge repair bill. I didn’t know what to do or where to turn. That is until I found out about one of the best contractors in the area.
After researching their reviews online, I felt confident enough to contact them for a quote on repairs for my leaky roof. They were able to come out quickly, so there was no waiting around for weeks at a time like State Farm would have done!
I got back in touch with State Farm about the estimate from the contractor and they told me that it would be covered under my policy after all. The state farm denied roof claim turned into something much better than before! I’m glad I took matters into my own hands and contacted this company, because otherwise I would have been in big trouble. Thanks to their affordable prices and top-notch customer service, I can finally get some peace of mind. Plus, the experience has made me appreciate everything I have even more. It’s incredible how such a small issue like a leaking roof could cause such turmoil for someone who is barely scraping by as it is. You never know what life will throw your way, but it’s important to make sure you always prepare for anything that might happen down the line.
The best way to avoid this in the future
Filing an State Farm denied my roof claim can be a confusing and frustrating process, especially when your claim is denied. If you’re in the same situation I was in, here’s what you can do next. First, don’t panic! You have options. Depending on how much time has passed since your roof damage happened, it may still be possible to file a homeowner’s insurance claim with another company. Most companies will let you withdraw from their policy if they find out that there are other coverage options available to them at this point. Just make sure to give any company you speak with a call back in two weeks. After all, they want to know as soon as possible so that they can check into your account and give you new rates (you’ll also need to tell them about any changes or additions to your property).
The reason State Farm denied my roof claim? One of the standard conditions for denial includes not having sufficient protection for the type of building involved in the loss. Now that I’ve switched insurers, I’m ready for anything Mother Nature throws my way! You should also know that the date your roof was damaged is critical: Certain roofs have shorter life spans than others, so a short lapse between damages and repairs could result in higher premiums. For example, if you had a high-quality tiled roof, such as ceramic tile or slate shingles, which require special materials to repair properly; repairing these types of roofs could take upwards of two years without putting yourself at risk for higher premiums! It’s important to keep this in mind when filing an insurance claim. That way you won’t waste precious time chasing down an old insurer who might turn you down simply because they consider the cost too high based on age alone.
