After a roof is damaged in a major event such as a windstorm, hailstorm, hurricane, or tornado, an owner may be faced with an insurance company that will try to deny you the benefit of the full coverage that you have paid for. Many insurers will accept a claim in one situation but not in another or will refuse to fully cover damage by pointing to various minor provisions in your policy or claiming that something can be repaired rather than replaced.
For example, an insurance company may argue that they will cover hail or wind damage to air conditioning equipment on a roof, but not to the roof itself, or completely deny a claim based on the age of the roof claiming the damage is just from “wear and tear.” An adjuster may cite minor provisions, stating that the building owner is responsible for general repair or maintenance of the roof. Even if nothing is specifically noted in the policy provisions, it is not unusual for an insurance company to deny a roof damage claim based on age or other small caveats.
Attorneys Who Know How the System Works
The lawyers at Raizner Slania know the tactics insurance companies use and work thoroughly to hold those companies accountable under their own policies as well as state laws. When insurance companies deny claims, we counter with proven strategies. Our legal team is familiar with claims involving a variety of commercial roof and building types, including:
- Thermoplastic Roofing known as TPO
- Metal Roofs
- Modified Bitumen Roofs
- Built Up Roofing
- EPDM Roof systems
- Tile roofs
- Shingle roofing
Combat the Insurance Company with the Help of Knowledgeable Experts
We do not take the insurance adjusters at their word. We actively investigate opinions from contractors, engineers, roofing specialists and meteorologists, and do an independent evaluation. We hire professional experts with experience and credentials to evaluate your claim and policy to make sure you receive the compensation you deserve. By researching and getting a comprehensive estimate of the real damages to your property, we are able to seek compensation that will cover your losses and put you and your business in the place that it should be.
Contact a Roof Damage Claim Attorney
Business owners whose structures have received significant damage during a storm or other event should not have to overcome hurdles and obstacles when seeking just compensation from their insurance company. Those who find themselves having to file commercial roof damage claims deserve whatever is necessary and due to them under their insurance contract. It is the responsibility of insurance companies to provide the insured business owners with whatever is necessary to bring their businesses back up to its pre-loss condition. Often, however, insurance companies can be resistant to their policyholders’ claims. If you are facing an insurance company who is denying your claim or not giving you the full compensation you are owed under your policy, contact the lawyers at Raizner Slania. Our experience with bad faith insurers and commercial disputes may give you the leg-up you need in obtaining just compensation for your commercial roof damage.