On March 24, 2013, a powerful unnamed storm hit our area. I’ve had 100’s of claims on behalf of policy holders arising out of that storm. This week, another homeowner came to us because their homeowners insurance company denied another claim for wind and hail damage.
Like almost all homeowners in Florida, my clients have a replacement cost homeowners’ insurance policy. This means that regardless of the age of their roof, the insurance company promised to pay the costs for a new roof if the roof has to be replaced because of hail or wind damage. (Don’t feel too sorry for the insurance companies, they charge a premium for this replacement cost coverage, and they are not forced to offer this type of coverage if they don’t want to.)
On July 8, 2012, my clients home was hit by a hail storm. At the time of the storm their architectural shingle roof was 15 years old. The homeowners submitted the claim to their homeowners insurance company. Their …