Insurance Won’t Pay for Your Roof? Watch This Before Filing a Claim!
🚨 After a storm or years of wear and tear, roof damage can hit hard and fast. But what happens when you file a home insurance claim and find out your roof damage isn’t covered? 😱 I'm Mendy with My Insurance Claim Expert, brought to you by Panther Public Adjusting, and in this video, we’re breaking down exactly what roof damage your homeowners insurance policy typically covers and what it usually does not. 🏚️➡️📋 📉 Common Reasons Your Roof Claim Might Be Denied Too many Florida homeowners are shocked when their roof claim gets denied. Why? Because insurance companies hide behind policy exclusions and fine print. Let’s break down the most common denial reasons: 1️⃣ Wear and Tear If your roof is old or shows aging signs like cracks, curling shingles, or deteriorating flashing, your insurance might call it “normal aging” and refuse to pay. 🕒 ❗ Tip: Insurance is not a maintenance policy. If your roof damage is considered the result of wear and tear, you’re on your own unless you fight back. 2️⃣ Neglect or Poor Maintenance 🧰 If the insurance adjuster believes you ignored clear warning signs like a long-term leak or missing shingles, they can claim neglect and use that to deny your claim. That’s where a public adjuster comes in. At Panther Public Adjusting, we dig deeper and build a stronger case so your claim isn’t tossed out. 3️⃣ Improper Installation or Faulty Repairs 👷♂️ Shoddy roof work? If the damage traces back to a poor roofing job, your insurer may not cover it. They’ll blame the contractor, not the storm. 📸 That’s why documentation is critical. We help you gather evidence to show when the damage occurred and what caused it. 4️⃣ Cosmetic-Only Damage Some policies exclude coverage for cosmetic damage, like discolored shingles or mild bruising that doesn’t affect functionality. But the line between cosmetic and functional damage can be gray and we’re experts at proving the difference. 🧠 Know What’s In Your Policy BEFORE You File 💡 Most homeowners don’t know their policy until it’s too late. That’s why it’s so important to: ✅ Review the exclusions ✅ Understand what counts as sudden & accidental damage ✅ Document your roof’s condition before and after storms ✅ Get a free review from a public adjuster 🔍 Panther Public Adjusting Fights for YOU At Panther Public Adjusting, we catch what insurance companies overlook or try to ignore on purpose. We work for you, not the insurance company. 🐾💼 Whether you’ve had a storm, wind, hail, or leak, don’t guess what’s covered. Let us review your policy and damage before you file or help you fight a wrongful denial. 📞 FREE Roof Damage Claim Review Don’t wait until you hear “DENIED” from your insurance company. If you’ve had roof damage, or suspect hidden damage from past storms, call us before your insurance company calls you back. 📲 Call now: 833-726-8437 📧 Email: [email protected] 🌐 Website: www.pantherpa.com 📲 Follow Panther Public Adjusting Online 👥 Facebook Page: / pantherpublicadjusting 📸 Instagram: / pantherpublicadjusting 💬 Join Our Facebook Community: / 1095375051896555 Stay updated on claim tips, storm alerts, and real homeowner stories across Florida. 🔔 Like, Comment, Subscribe & Share 👍 Like this video if you learned something new 💬 Comment below if you’ve ever had a roof claim denied or need help understanding your coverage 📢 Share this video with any homeowner in Florida 🔔 Subscribe for weekly insurance claim tips and real talk from the field We’re not here to scare you, we’re here to prepare you. 🛠️🏠 Let’s protect your roof, your rights, and your wallet. #RoofDamage #InsuranceClaimDenied #PublicAdjuster #StormDamageHelp #FloridaHomeowners #HurricaneDamage #RoofClaimHelp #PantherPublicAdjusting #MyInsuranceClaimExpert #DeniedClaim #RoofInsurance #StormRecovery #RoofReplacement #InsuranceTips #HomeInsuranceHelp #InsuranceAdjuster #WindDamage #HailDamage #RoofLeaks #RoofDamageCoverage
