Sometimes it’s hard to know which is worse – a storm ripping through and damaging your roof or receiving a letter saying that your claim for said damage is denied!
Together, these two devastating scenarios are a double-whammy for homeowners just trying to rebuild after a damaging event. Unfortunately, this stressful and frustrating experience is all too common for Louisiana residents. We hope you never have to go through it, but rest assured that if you do, there are ways to appeal a denied claim and potentially reverse the decision.
Common Reasons for Claim Denials in Louisiana
If you receive a claim denial letter from your insurance company, your first thought may be outrage. This feeling is understandable. Know that insurance companies have a long list of claim denial reasons, and not all of them are valid – even if they cite them on company letterhead. Commonly insurers will deny claims for reasons including:
- Pre-existing damage – They may argue that the roof damage existed before the event that triggered the claim.
- Normal wear and tear – Older or poorly maintained roofs may not be fully covered for damage caused by storms or other events.
- Lack of proper documentation – Insufficient proof of damage or lack of timely reporting can lead to a denial.
- Policy exclusions – Damage caused by certain events (like flooding from storm surge) may not be covered under a standard homeowner’s insurance policy.
If you suspect the insurer made a mistake or the denial letter isn’t clear, request a more detailed explanation in writing. Insurance companies in Louisiana are required to provide a valid and transparent reason for denying a claim.
Appeal the Denied Claim
Next, if you believe your damage should be covered after reviewing your policy and denial letter, you may have grounds to appeal the denial. Consider calling us at Kandell, Kandell & Petrie Law Firm for help. We can advise you on your legal rights and options while assisting you with the appeals process.
Here is also when you will want to gather as much evidence to support your claim as possible.
Collect all relevant paperwork and evidence related to your claim, including photos, videos, receipts, estimates, and any correspondence with the insurance company. It’s also a best practice to obtain a competing estimate from a professional contractor or other expert to support your claim. Gathering a competing estimate will give your appeal legs to stand on and further documentation to support your case.
Share the estimate with your insurance company and offer them the opportunity to compare the estimate with their settlement. Point out discrepancies and note the qualifications of the professional who completed the estimate. After reviewing, the insurance company should answer for their shortcomings. If they don’t, another option for property owners is to take the claim to appraisal. During the appraisal process, an impartial party will work to settle the claim fairly out of court.
Don’t Give Up. Contact us at Kandell, Kandell & Petrie Law Firm
Having your roof damage claim denied in Louisiana doesn’t have to be the end of the road. We’re here to help. Your roof is essential to the safety and security of your home, and you deserve fair treatment from your insurance company. If you have questions about a denied roof damage claim or Louisiana insurance law, don’t hesitate to contact our legal team at Kandell, Kandell & Petrie. One of our New Orleans claims advisors is standing by to assist with your questions.
