I just found out that state farm denied my roof claim, and it’s not something I’m going to just let go of without taking action. It’s been raining all day and my roof is leaking, so I’m going to call them tomorrow and fight back! I don’t understand how they can deny this claim! Does anyone have any advice? Did your roofer ever work with State Farm? How did the process go? Did it take a long time or were you able to get the roof replaced quickly?
The Storm
I was surprised when State Farm denied my roof claim. They said my roof had to have been damaged for more than two days before the storm in order to be covered by my policy. This wasn’t true and I knew it, so I filed a complaint with the state insurance department and got in touch with State Farms’ corporate office. The people at the state insurance department were able to help me fix this issue and got me the claim that I deserved. If you’re having an issue like mine, I recommend contacting your local state insurance agency or calling State Farm’s corporate office to get your own case resolved.
The Aftermath
state farm denied my roof claim, and so it’s time to move on. That doesn’t mean that I can’t still have my revenge on them though. First thing is to get an estimate for the damage done to your home. From there you’ll need to get a contractor in to do the repairs, and then take your estimates over to state farm and ask for what they said you were going to get, or at least close to it. You’ll want a copy of the estimate too because they may not pay up if they don’t see the work was done by a professional.
The Adjuster
I called up my adjuster on the phone and asked for an update on my claim. He said that they had inspected the roof and saw no signs of any damage, so as far as they were concerned, there was nothing to fix. I told him that we had a leak all over the house, but he said that it wasn’t coming from the roof. At this point I knew what was going on. They were denying my claim because they couldn’t find anything wrong with my roof! But how can you have a leak without something being wrong? That’s when it hit me. The leak must be coming through the walls! So off to Lowe’s Home Improvement Store I went to buy some tools so that we could investigate further. We went around the outside of the house, checking for signs of where the water might be leaking in. Sure enough, about halfway up one side of the house we found a large crack in one of our window frames. There was only one solution now: I needed to get back on the phone with state farm and tell them about this new development. Hopefully now they’ll believe me and give me my money for repairs!
The Estimate
My insurance company had an appraiser come to my house to take a look at the state farm denied my roof claim. There was a lot of water in the living room and it had leaked through the ceiling. The appraiser wrote up his report and I sent it to my insurance company so they could pay for my roof repair. They turned me down, saying that they couldn’t find any evidence of water damage!
I don’t know what to do next. The home inspector didn’t see any signs of water damage when he looked at the property before we bought it. I can’t afford to just get a new roof on my own; even if I did, how would I deal with these state farm claims people? How long will this go on?
The Denial
I called my insurance company about a roof leak and they said there’s no coverage for roof leaks. A few weeks later, the roof started leaking again, and water went down into the basement. We call them again and they said it was an act of God and we were denied coverage. We had to pay $10,000 to fix the damage ourselves. After I read their policy, it turns out they don’t cover any type of leaks if there’s no natural disaster or storm that causes it. This is ridiculous! They refuse to help me when I need them most. The insurance rep told me that because our home wasn’t flooded with water, they won’t take responsibility even though we have a state farm roof claim. He also told me if I wanted help with something like this in the future, I’d have to upgrade my plan which would cost us more money every month. So frustrating!!!
The Appraisal
The company sent out a repair estimator who gave me an estimate of $1,250 to replace my roof. This was not what I expected. After some research, I found that the cost for such a project should be more like $3,000. When I contacted the agent about the discrepancy, he informed me that he would do another estimate and get back to me in a few days.
The new estimator came out and told me that the reason my roof had been leaking was because it needed to be re-shingled and not replaced entirely. He estimated it would cost $2,000 to do just this instead of the original $1,250 quote for replacement. Again, I talked with the insurance agent. They said they could pay up to $4,000 for repairs but nothing more than that. If I wanted them to cover anything beyond that amount then I would need to buy additional coverage myself which would increase my monthly premiums by 40%.
So now here is where things get tricky: at first glance it seems as if state farm has done their part by paying up to $4,000 worth of repairs on my roof even though they were not obligated by law or contract to do so (because there’s no limit). But let’s say they state farm denied my roof claim paying any additional money beyond the contract amount–wouldn’t they be unfairly exploiting their power?
