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Florida roof illustrating insurance roof claim denied Homeowners Should

Florida insurance roof claim denied: What Florida Homeowners Should Know

Florida roof illustrating insurance roof claim denied Homeowners Should

By Renata Alvarez, Former property claims adjuster. Reviewed by Hal Winstead, Editor, licensed roofing contractor. Late one September afternoon in Port Charlotte, I was kneeling in wet grass under a tile roof that the homeowner swore was fine until "that storm." The denial letter said wear and tear. It wasn't. I've adjusted enougth claims to know the difference, and I've been writing for the residential roofing companies in Florida directory ever since, because the same mistakes keep killing valid roof claims.

That particular denial had nothing to do with the roof. The homeowner had waited eleven months to file because he thought the damage was "not bad enough." He was wrong. By the time he called, he was racing a clock he didn't know existed. I've sat across from alot of peaple who are convinced that a Florida insurance roof claim denied letter means the insurer is lying. Sometimes it is. Often it isn't.

So let me give you the rules that actualy get claims paid. I'm not a lawyer and I'm not your adjuster anymore, but I've seen which documents work and which ones get ignored.

The one-year deadline is shorter than you think

Under Florida Statute 627.70132, you've got one year from the date of loss to give notice of an initial or reopened claim. A

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