When Allstate denied my roof claim, I was pretty upset. After all, who knows what damage the falling roof caused when it hit the ground? But I also knew I had to move on with my life — and if I couldn’t get my roof fixed by Allstate, then I’d have to find another way to do it myself. So here’s what I did next…
The first thing to do after an insurance company denies your claim
After your insurance company denies your claim, the first thing you should do is reach out to your agent or the company directly to find out why. If you’re not satisfied with the answer, you can file a complaint with your state’s department of insurance. In the meantime, start collecting evidence to support your case. This can include photos of the damage, repair estimates, and anything else that will help show that your claim is valid. It’s also important to note that in most cases, an insurance company has up to 60 days after they receive a claim to make their decision. They might deny it outright if they think you’ve made an error on your application form or failed to disclose some other pertinent information on the claims form (or even if there are pending criminal charges against you). You’ll have more luck if you take steps before filing a claim. That way, you can provide all the necessary documents and evidence to back up your story when you need to. And this way, if something goes wrong with your claim- like Allstate denying my roof claim- I’ll be ready for them!
The things you need to know before calling your agent back
- Your roof is one of the most important parts of your home, so it’s important to keep it in good condition. Regular maintenance and repairs can help extend its life, but eventually, you’ll need to replace it.
- When that time comes, you’ll want to have insurance to help cover the cost of a new roof. But not all policies are created equal. Some companies will only cover the bare minimum, while others will offer more comprehensive coverage.
- Allstate denied my roof claim is one of the latter companies. They offer a Replacement Cost Value policy that will pay to replace your roof with a new one of similar quality, no matter how old your current roof is. So even if it’s still structurally sound, Allstate will buy you a new roof.
After discussing my options with my agent, I realized this was the best option for me because my existing roof was relatively young and would be replaced before major damage could occur. The claim process took about two weeks and when they finally did arrive to install my new roof, they got right to work without interruption or delays. It turned out great!
If they deny again
I would recommend that you file a complaint with your state’s insurance commissioner. You can also hire a public adjuster to help you with the claim process. I had just filed my roof claim with Allstate and they denied it again. So what should I do? Well, if Allstate denies your roof claim for the second time, there are two courses of action you can take. The first is to hire a public adjuster who will be able to advise you on how best to proceed. The other option is to make an appeal with your state’s insurance commissioner. Either way, at least now you know that denial isn’t the end! And here’s another tip – it might not hurt to try calling up Allstate denied my roof claim and ask them why they denied your claim in the first place. They might have a good reason or they might change their mind based on some new information you provide them with.
Try another agent
If your claim is denied, you have the right to appeal the decision with your agent. If you’re not satisfied with the outcome of your appeal, you can try working with another agent. It’s important to remember that not all agents are created equal. Some may be more experienced than others or may have a better understanding of the claims process. Choosing the right agent can make a big difference in getting your claim approved. Be sure to interview different agents and ask them about their experience and how often they’ve seen other claims like yours get approved. You’ll want someone who knows what they’re doing!
A few months after my Allstate denied my roof claim, I finally found an agent who was willing to work with me and helped me win my appeal. He did it by writing a letter detailing why my claim should be accepted as well as referencing the storm damage documentation I had collected.
The insurance company responded quickly and said they would approve my claim if we signed a contract saying there would be no future roof leaks (I did sign). Once everything was finalized, my roof was repaired and life went back to normal!
If everything else fails, file a lawsuit
Filing a lawsuit against your insurance company may seem like a daunting task, but it’s important to remember that you have rights. You are entitled to receive the benefits you paid for, and if the insurance company is acting in bad faith, you may be able to Allstate denied my roof claim. The average cost of filing a lawsuit is $3,000 – $5,000 with an attorney. If you’re willing to spend this money on an attorney fee then they will do all of the work while you relax at home. Insurance companies know how difficult lawsuits can be, so many times they will settle out of court before things get to trial. But either way, don’t give up! It’s not worth paying thousands of dollars each year just because your insurance company doesn’t want to pay their dues.
