can my insurance company refuse me when I ask for a second opinion on roof damage when they denied the original claim.
Free Insurance Quote Comparison
Secured with SHA-256 Encryption
UPDATED: Oct 9, 2018
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Insurance Question from Carpentersville, IL
Asked on 10/09/2018
can my insurance company refuse me when I ask for a second opinion on roof damage when they denied the original claim. I am being refused a second look at my roof for wind and hail damage, I don't trust the first person who came out and want someone else to look at it.
Answer given on October 10, 2018
If your insurance company denied a claim for damage to your roof due to wind and hail damage, you can get another estimate and review whether they agree to it or not. Most roofers will look at your roof at no charge and if they can find evidence of damage due to storms, they can contact the insurance company to review the denied claim. Go ahead and get the estimate from another roofer. If they support your contention of damage, you should call your insurance company and speak to the adjuster. If they still deny the claim, ask to speak to a supervisor to review the entire claim.
If your roof is old and there was existing damage to it due to previous storms, it may be difficult to get your insurance company to agree to pay for the roof to be repaired. However, you may still want to get the roof repaired or replaced as future damage will still be denied by your insurance company.
IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.