Over the past few months we have heard from many homeowners that they have received a letter from their insurance company threatening non-renewal due to “roofing problems” noticed during an inspection by the insurance company that the homeowner wasn’t even aware of. The letter goes on to state that the homeowner has a relatively short period of time (usually 45 days) to replace their roof or their policy will be cancelled or not renewed.
In many of these cases, these homeowners have called Atlanta Roofing Specialists, seeking to have the costs evaluated only to find out the roof needed only minor repairs or that the roofs were relatively new and had only a few curled shingles but otherwise were in great condition! A simple letter from us to the insurance companies took care of these claims, but what is going on here?
More often than not, these homes are smaller in size or in a lower price range, which usually translates into lower premiums and therefore lower profit margins for the insurance companies……hmm, go figure. It appears that insurance companies have identified these homes, often in low income areas, as “high-risk” and is sending in inspectors to identify “damage” as a way of not renewing coverage.
In many cases, the inspector or adjuster may not have the experience and knowledge necessary to determine if a roof should be replaced and is erroneously recommending terminating coverage on homes whose roofs are in good condition. Of course, this in not the case with everyone who receives such letters, indeed, there are likely many homes in need of roof repair or replacement and the insurance company is justified in denying coverage, but in many instances we have found the insurance adjusters to be in error.
If you have received such a letter from your insurance company, call Atlanta Roofing Specialists for a no obligation roof inspection! Most Insurance Adjusters aren’t roofing experts and oftentimes get the diagnosis wrong. It pays to have a reputable, qualified expert to provide a second opinion. In many cases we can save you the costs of replacing a perfectly good roof!
Get your Free Roof Estimate today, call or chat with us! 770-419-2222