By Sterling Scott, Owner of Trust Public Adjusting Group

Over the past year, my team at Trust Public Adjusting Group has encountered a troubling trend. More and more property owners are receiving letters from their insurance companies with an alarming message: “Replace your roof or face cancellation.” These letters often pressure homeowners to cover the cost of a new roof out of pocket, with the threat of losing their coverage looming overhead. However, in our experience, these letters are not just a warning – they’re often a red flag that your insurance company actually owes you a roof replacement.

As a property insurance claim expert, I’ve noticed that every single property owner who has contacted us after receiving one of these letters had a roof that should have been covered by their insurance. It’s almost as if these letters are a precursor, a tactic used to shift the financial burden onto you, the homeowner, instead of the insurance company.

UNDERSTANDING THE STRATEGY

Why would an insurance company do this? The answer lies in the age of your roof and the number of storms your property has endured. Insurance companies may calculate that, based on these factors, they are likely on the hook for a new roof. Instead of paying out, they send you a letter suggesting – or even insisting – that you pay for it yourself.

But here’s the truth: if you’ve received one of these letters, there’s a high probability that your insurance company owes you for the roof replacement and potentially more. This is where my team comes in.

THE IMPORTANCE OF A PROFESSIONAL INSPECTION

If you receive one of these letters, don’t rush to open your wallet. Instead, consider getting a professional property inspection and policy review. At Trust Public Adjusting Group, we offer this service for free. We’ll assess the condition of your roof and examine your insurance policy to determine what you’re truly entitled to. In most cases, filing a claim is your best course of action.

DEBUNKING THE MYTHS: FILING A CLAIM WON’T RAISE YOUR PREMIUMS

A common misconception is that filing an insurance claim will cause your premiums to increase. This isn’t true. Premium increases are typically determined by geographic factors, not by individual claims. If your insurance company is already threatening to drop your coverage unless you pay for a roof out of pocket, there’s no reason not to file a claim – especially when they likely owe you for the roof.

TAKE ACTION BEFORE IT’S TOO LATE

Don’t let these letters intimidate you. If you’ve received a notice from your insurance company pressuring you to pay for a new roof, reach out to us at Trust Public Adjusting Group. We’ll provide a thorough inspection and help ensure that you receive the coverage you’re entitled to. Don’t pay out of pocket for something your insurance company should cover. Let us advocate for you and protect your investment.

TRUST PUBLIC ADJUSTING GROUP
Serving Volusia County
Sterling Scott | License #W333253
Call: 386-456-6885 | Text: 850-708-2582
trustpublicadjustinggroup.com
claims@TrustPublicAdjusting.com