The reasons then shifted, the complaint alleges. A July 23, 2024 denial said: “Our inspection revealed no storm related damages to your roof or fence. Both displayed significant wear and tear, which is excluded. The interior water damage would also not be covered due to your roof failing as a result of wear and tear.” After the homeowner, acting on his own, sent contractor evidence and a certified-mail demand for about $417,273, a March 14, 2025 letter offered a broader reason: “Following a second review of the claim, it was determined the damages to the home are caused by rot, deterioration and prolonged water exposure which is not covered. Consequently, the supplement has been denied.”
Homeowner sues American Security over storm claim priced below deductible
