A lot of homeowners insurance policies have a provision that allows the insurance company to pro-rate your premiums for the year if there is damage done to your roof in one specific year. But what happens if you have the same issue with your roof again and again? Is it legal for an insurance company to pro rage your roof year after year? The answer is complicated and depends on several factors, so read on to learn more about your rights and how to protect them.
What is Pro Rage?
Pro Rage is a roofing material made from a synthetic resin that is sprayed onto the roof. Pro Rage is a man-made material that does not deteriorate and lasts for many years. Pro Rage can be used on tar, asphalt, or metal roofs.
The main advantage of using Pro Rage over other roofing materials is that it does not require regular maintenance. Another advantage of using Pro Rage is that it is more affordable than other roofing materials.
How Does Pro Rage Work?
Pro rage is an insurance company that specializes in prorating roofs. Prorating is a technique used by insurance companies to set a value for a property and determine the amount of coverage required. The idea behind prorating is that the value of a property will fluctuate over time, and by setting a specific value for the property at one point in time, the insurance company can more accurately determine the amount of coverage needed in the event of a claim.
Pro rage typically charges insurance companies annual fees for their services. They also work on commission, so the more claims they can generate for an insurance company, the higher their commission rate will be. There are some concerns about how prorating works and whether it’s really fair to charge insurance companies annual fees for services that may only benefit them in the short term.
Is It Legal For An Insurance Company To Pro Rage Your Roof Year After Year?
There are a few cases where an insurance company can be penalized for proactively raging your roof. In general, any damage done to your property as the result of their negligence is grounds for a lawsuit. This means that if an insurance company negligently causes water damage to your home and you subsequently sue them, they could be liable for additional damages such as attorney fees and court costs.
The most common instance in which an insurance company can be held liable is when they fail to properly maintain the roof on their insured property. If the roof becomes damaged due to weather conditions or neglect, the insurance company is responsible for repairing or replacing it. If they refuse or cannot do so, you may be able to sue them for damages.
It’s important to keep in mind that not all roofs are created equal. Insurance companies typically aren’t held liable if they’re forced to repair or replace a much more expensive roof than necessary. However, this isn’t always the case; it’ll depend on the specific facts of your case. So if you notice water damage on your roof that wasn’t there before and you think the insurance company might be responsible, it’s best to speak with a lawyer about your situation.
Conclusion
In a recent article on the website The Daily Caller, an insurance company is being accused of pro Rage your roof year after year. This company, Progressive Insurance, allegedly sends customers letters accusing them of damage that they didn’t cause in order to increase premiums. Customers who contest these claims are then met with aggressive tactics by Progressive representatives. If you have had dealings with Progressive insurance and feel that they have been unfair or abusive in their dealings with you, please reach out to a lawyer to discuss your legal options.
