HOW MANNY CAN HELP SAVE YOUR HOME
Protecting Your Home's Roof
Not all roof damages caused by hurricanes or storms are as visible as a fallen tree or patches of shingles missing from the roof. Minor, or even hidden, damages are commonly left out of estimates from insurance adjusters (and public adjusters as well!).
It is imperative to know that even subtle damages can cause expensive problems years down the road, long after you (perhaps unknowingly) accepted an incomplete settlement from your home insurance company.
But fear not, if roof damage does occur, Manny is here to Protect Your Home.
GET A FAST PASS, LAWYER UP!
Did you know that Floridians made more than 1 million claims for damage relating to Hurricane Irma in 2017? Did you know nearly ⅓ of those claims resulted in no payment to the homeowner?
After a hurricane or any big storm, many homeowners are forced to wait for months -- and sometimes years -- to collect payment for their losses. Even when the insurance company issues a check it may only compensate the homeowner for a fraction of the damage suffered.
In addition to the obvious damage, a hurricane claim can include coverage for: water intrusion, alternative living expenses, food spoilage, fallen trees, roof shingles/tiles, siding, clean-up, and much more.
If your home was hit by a hurricane, you should know:
1) There will be a rush of claims to every insurance company across your area
2) You could have to wait in that line behind others for payment if you don’t “lawyer-up”
3) If an insufficient payment is issued - you do not have to accept it as final.
The claim is not settled until you say it is!
STORM & WIND DAMAGE
BE AWARE OF UNDERPAYMENT OR WRONGFUL DENIAL
Folks often discount roof damage from a common storm as “unclaimable.” But that’s wrong.
You need to know how to read the language of your insurance policy. Most policies require a “Wind Created Opening” to trigger coverage for a roof loss.
Believe it or not, there are claims for roof damage that results from a peril that was not a hurricane or weather event.
Falling objects such as trees, power poles, and electrical lines can damage your roof. These cases are few and far between, but nevertheless can trigger payment from your insurance company depending on your home insurance policy’s language.