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Homeowner Insurance Policyholder Rights

Your homeowner’s insurance policy means you are a customer by way of the premiums you pay; as such, you have the right to expect fair treatment from your insurance company. Your policy is a legal contract that outlines the terms and conditions of your coverage; *and your insurance company’s obligations regarding that coverage.

It is important that you read and understand your policy *so that you can exercise and protect your rights as a customer who has been paying your insurance premiums.  Some of the most important rights as a policyholder are:

You have a right to file a claim for damages to your property, such as damage to your roof, siding and or gutters; as the result of wind, hail and other types of storm and or natural disasters.

You have the right to expect your insurance company will investigate your claim in a timely and professional manner.

You have a right to expect your insurance company will provide clear and concise information about your coverage; as well as any limitations or exclusions that may apply.

If your claim is denied, then as a policyholder / customer; you have a right to:

  1. RECEIVE in writing, a clear and detailed explanation as to why your claim was denied.
  2. APPEAL the claim decision.
  3. REQUEST a re-inspection of the damage, and re-evaluation of your claim.
  4. INSIST that a DIFFERENT adjuster inspect and document the damage.
  5. REQUIRE a minimum of 24 hour advanced notice on when the re-inspection will be performed by the secondary adjuster; *so that you may exercise your right to have a roofing expert advocate for you in the proper documentation and cause of the damage.

If you feel that your insurance company hasn’t treated you fairly, or you are being denied your rights to appeal their claim decision; you have the right to file a complaint with your state insurance commissioner and or seek legal representation.

1st Rate Roofing is here to assist and advocate for you as the roofing, siding and gutter experts! We can professionally document your home’s damage and advocate for the causes of that damage so that you may confidently exercise your policyholder rights.

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