What do I do now? That’s the question I asked myself when my insurance company denied my roof claim and I had no idea where to go from here. After all, who wants to go through the hassle of hiring an attorney just because their insurance company doesn’t want to pay them? Who can afford to do that Allstate Denied My Roof Claim? Unfortunately, most people don’t know where to start when they find themselves in a situation like this one. Luckily, I found out what I needed to know and I can save you time and money by passing it along to you!
At-Home Repair
When dealing with an insurance company, it’s important to remember that they want to keep your claim costs as low as possible. This means that you’re probably not going to be able to get them to repair your roof for free. They will instead want you to hire a contractor who has experience in fixing roofs like yours and then pay for the repairs themselves. The problem is, if you are a do-it-yourselfer, this can cost more than hiring a professional!
So what should you do when Allstate Denied My Roof Claim?Allstate denies your roof claim? At this point, there are three options available: You can try and fight the denial by appealing their decision or negotiating with them or just give up on the claim altogether. Whatever route you decide to take, make sure that you are informed of all of the pros and cons before making any final decisions. Appealing may be worth the hassle, but only if you have a strong case. Negotiating may save you money and time, but only if you are prepared to argue back with Allstate. Giving up on your claim could save some frustration but at the expense of your roof being fixed properly. In the end, it’s really about finding out which option best fits your needs without breaking the bank.
Talk to the Insurance Company
So I called Allstate to find out what the next steps were and they said that they would need to do an inspection of the roof before approving the claim. They also asked for a copy of the estimate for repairs. Fortunately, I have a copy of this in my email so I was able to send it over to them.
The representative with Allstate Denied My Roof Claim told me that their claims department is backed up because it’s hurricane season and there are lots of storms coming through. However, I am just going to keep following up with them until they approve my claim! It took me several weeks to get the car accident claim approved so I know that it will take time.
What Should You Do If Your Insurance Company Denies Your Claim?
It may seem like your insurance company doesn’t care about you or your claim but that is not usually true! For example, Allstate may not be able to offer coverage for every single circumstance which could mean they denied your request for coverage. It can be frustrating but don’t give up hope yet! In most cases you should ask why your insurance company denied your request and whether there is any way you can appeal the decision.
Hire a Lawyer
It’s upsetting to be Allstate Denied My Roof Claim. To get back on track, I recommend seeking legal counsel to help you evaluate your options and make an informed decision about the next steps to take. A lawyer can also help you file a claim with your state department of insurance or credit bureau. You may be entitled to reimbursement for other expenses related to the denied claim, such as deductibles or damages incurred from the leaky roof. Sometimes it’s helpful for someone else who isn’t emotionally invested in the situation to offer their opinion and explore their options with you. In my experience, hiring a lawyer is one of the best ways to get past this type of setback and move forward. The law office that helped me dealt with all the paperwork and got my claim approved without any additional hassles!
They were professional, compassionate, knowledgeable, and made sure I was taken care of every step of the way. Hiring them was absolutely worth it! Lawyers like these are definitely worth looking into if you’ve been denied a roofing claim by Allstate.I think all home owners should talk to a lawyer before they give up!
Mediate with the Insurance Company
If you are wondering what to do when Allstate has denied your roof claim, here are some things you can try.
-Call the insurance company and ask them to reconsider their decision. They may have missed something in their initial assessment of your claim. -If that doesn’t work, contact your state’s department of insurance and ask them if they can help mediate with the insurance company. -You may want to talk with a lawyer or agent who specializes in handling cases like this one. Some companies offer consultations for free. Others charge an hourly rate for their services, but will waive it if you end up hiring them to handle your case.
-Contact your mortgage lender: One option is to reach out to the lender about getting money back from the homeowner’s policy for a replacement cost estimate minus depreciation on the old roof after conducting research on comparative costs in your area.
Sue in Small Claims Court
If you want to go through the more complicated process of suing Allstate Denied My Roof Claim in Small Claims Court, here are the steps to take.
1) Gather your evidence and medical records. You will need this for the court case. 2) Fill out a Complaint form and have it notarized.
3) Sign it, date it, and file it with your local county clerk’s office or circuit court clerk’s office.
4) Once you’ve filed your complaint with the clerk, serve Allstate by sending them a copy by certified mail (return receipt requested).
5) Wait until they officially respond before going any further with the case.
6) If they don’t respond within twenty days of being served, they will be considered in default and you will win by default.
7) If they do answer the suit, you will be notified by the court that your hearing date has been set and you’ll need to attend.
8) At the hearing, present all of your evidence including medical records and testimony from witnesses who may have seen what happened when their roof collapsed.
9) The judge will make their decision after listening to both sides of the story.
10) After all is said and done, if either party is unhappy with the verdict, there is an appeal process that can be taken.