Earlier this year, my insurance company denied my roof claim after the storm ripped through and damaged my home. I appealed the decision, but they still denied it, leaving me to pay over $2,000 out of pocket for a new roof on my house. Here’s how I got them to pay up in the end, and why you should get extra protection on your insurance policy when you’re buying your home.
allstate denied my roof claim even though the damage was caused by a severe storm. I was surprised and disappointed. I contacted my agent and asked why my claim was denied. They told me that Allstate does not cover Acts of God. I argued that a severe storm is not an Act of God, but they refused to budge. I decided to hire an attorney to help me with my claim, but when he received the documents from Allstate, he told me they were going to refuse paying up because they thought it would be too expensive for them if they had to pay out on every single homeowner’s claim for this type of damage. Luckily, we came up with a way to get around this problem: we put in a second insurance policy for windstorm coverage as well as other specific coverage for damages caused by hurricanes or tornadoes–and then we submitted the same claims again under these different policies! It worked like magic–allstate paid up in full!
I am a former insurance adjuster. I worked for Allstate for three years, until I was in a car accident that left me with a brain injury. After my accident, I could no longer work as an adjuster.
I decided to become a public adjuster, which is an insurance adjuster that works for the policyholder, not the insurance company.
As a public adjuster, I have helped many people with their roof claims after they were denied by their insurance company.
In most cases, the insurance companies deny roof claims because they say the damage is not severe enough to warrant a replacement.
However, there are ways to get around this.
Problem with insurance company
I was surprised when allstate denied my roof claim. I had been with the company for years and had never had any problems. When I called to ask why, they said that my roof was too old and that it wasn’t their fault. I was angry and frustrated, but I decided to appeal the decision. The first step was to talk to my agent and make sure there weren’t any errors on his end. He assured me that he didn’t make a mistake, so I contacted the claims adjuster at Allstate again. The adjuster told me that since the roof was 25 years old or older, they couldn’t cover anything related to a broken or damaged roof anymore. I argued with him about how this wouldn’t be a problem if we were talking about an earthquake or another event beyond human control, but he refused to listen to reason.
Final Thoughts on Insurance Claims
No one wants to have to file an insurance claim, but when you do, you expect your insurer to cover the damages. So, imagine my surprise when Allstate denied my roof claim.
I was at a loss as to why they would deny my claim since I had paid my premiums on time and had never filed a claim before. After doing some research, I found out that Allstate has a history of denying claims, even when they are valid.
If you find yourself in a similar situation, don’t give up. You can appeal the decision and provide evidence to support your case. With some persistence, you may be able to get the insurer to pay up after all. The key is to take the time to collect evidence and learn more about how they make their decisions. For example, if you’re trying to make a property damage claim because something happened during natural disaster such as Hurricane Irma or Maria, then keep track of the names of those companies who refused service or refused to fix your home because it would not result in any revenue for them. Assemble pictures or videos proving that there’s been flooding or other storm-related damage. Finally, if possible, consult with someone knowledgeable about this process so that you know what steps need to be taken next.
Loss of Losing
No one ever expects to have their insurance claim denied. But when it happens, it can feel like the rug has been pulled out from under you. I never expected that allstate denied my roof claim. But they did. And at first, I was completely lost. I didn’t know what to do or where to turn. But then I remembered that I’m not the only one who’s ever had this happen. And that there are ways to fight back. In this post, I’ll share my story and what I did to get Allstate to finally pay up. I never expected that Allstate would deny my roof claim. But they did. And at first, I was completely lost.
Insurance Claim Denial
It’s every homeowner’s nightmare: you file an insurance claim, only to have it denied. But don’t despair – there are steps you can take to appeal the decision and get the coverage you deserve. Here’s what happened when Allstate denied my roof claim – and how I fought back to get them to pay up. I was doing some spring cleaning on my condo one day when I noticed a leak in the ceiling of my kitchen. A quick Google search later confirmed that this wasn’t just a leak, but a broken pipe from the upstairs unit that had been dripping for weeks. When I called Allstate to make a claim, they told me that because the pipe was from upstairs and not from inside my unit, they weren’t liable for fixing it! The rep said if I wanted to be reimbursed for damages, he could process my request for emergency property damage repair instead. Great – so long as all of these emergency repairs were already budgeted into our monthly expenses – which they weren’t!
Tips for dealing with insurance companies
1. Research your policy before you file a claim.
2. Gather as much documentation as possible.
3. Don’t take no for an answer.
4. Know the appeals process.
5. Stay calm and be polite.
6. Be prepared to negotiate.
7. Hire a lawyer if necessary.
8. Realize that some insurers have specific guidelines that must be followed in order to get coverage, so make sure you read the fine print on your policy.
9. Check with your state’s insurance commission or attorney general if you suspect fraud on behalf of the insurer. 10. If all else fails, submit a complaint with the National Association of Insurance Commissioners or through their Consumer Complaint Form