Insurance won’t replace roof damaged by hurricane. Help?

[Allen Lopez]

Any of you guys ever had an issue getting insurance to pay for your roof replacement? So last year we had a very bad hurricane in Florida. The tiles on my roof started shaking and cracking (according to the contractor) the wind caused the tiles to lift up and break. Early this year, we had a very bad storm that did even more damage to the point that water started getting into the house. I submitted a claim under normal rain as I didn’t think it was caused by hurricane. The insurance said that they would not cover it cause the tiles were too old so the damaged couldn’t be caused by the rain. They told me that because I had a written quote from a contractor stating that the whole roof needed to be replaced and that the damage was caused by hurricane I needed to open a claim for hurricane damage. Now they are saying they just won’t cover it.

What should I do? Do I need to hire a lawyer to fight for me?

I feel like they just don’t want to pay for it. And they aren’t returning my calls.