Reasons Why Insurance Companies Deny Roof Claims & How to Get Them Approved

Having your roof claim denied by your insurance company can be frustrating and stressful, especially when you know your roof has undergone wear and tear. It’s disheartening when you’ve identified legitimate issues with your roof that need addressing, only to have the insurance company deny your claim. 

But why do insurance companies deny the claim? More importantly, what can you do so that your claim is approved by the insurance company? 

In this blog post, we will help you understand the common reasons insurance companies often deny your roof claim and provide valuable tips on navigating the claims process and increasing your chances of getting the insurance company to approve your claim. Don’t let your denied roof claim leave you out in the rain – read on to find out what you can do next.

For more information on What Kind of Roof Damage is Covered by Insurance? A Complete Guide, How to Prevent Roof Leaks and Water Damage in Your Home, and how to protect your roof from hurricanes and other damages, follow the links!

Review your policy and understand your coverage

After receiving a roof claim denial from your insurance company, take a step back and review your insurance policy. Understand your coverage to determine the next steps you should take. Start by carefully reading through your homeowner’s insurance policy and paying close attention to the sections that pertain to roof damage and claims. 

You must understand any exclusions or limitations for pre-existing damage or lack of maintenance that may apply. It’s also a good idea to contact your insurance agent or a public adjuster for clarification if you have any doubts or questions about filing a claim. 

If you thoroughly review your policy and understand your coverage, you’ll be better prepared to navigate the roof insurance claim process and advocate for your rights as a homeowner.

Gather evidence and documentation to support your claim

When your insurance company denies your roof damage insurance claim, gathering evidence and documentation to support your damage insurance claim is essential. 

First of all, inspect your roof, take photos or videos of the damage, and pay close attention to damaged roofing materials. Capture close-up shots and wide-angle views to provide a comprehensive visual repair record that will help you file a claim. Collect any receipts, invoices, or estimates from professional roofers or a trusted roofing company who have assessed the roofing damage. These documents can prove the repairs or replacements needed and their associated costs.

Review your insurance policy to understand the specific coverage for roof damage and highlight any relevant clauses or provisions that support your claim. 

Lastly, keep a detailed record of any communication with your insurance company, including emails, letters, and phone call summaries. This documentation will help demonstrate your efforts to resolve the issue. You can use it as evidence if you need to escalate your claim. By gathering strong evidence and documentation, you will be better equipped to fight for a fair resolution to your denied roof claim.

File an appeal in writing to your insurance company

If your insurance company refuses to cover your roof insurance claims, taking action and file a claim in writing. 

Start by reviewing your insurance policy to understand the specific coverage for your roof. Ensure you have all the necessary documentation from all things you can provide as evidence, such as photos, estimates, and any relevant correspondence with the insurance company. Outline clearly and file a complaint with evidence. 

Be professional and concise in your letter, addressing it to the appropriate department or individual at the insurance company. Keep copies of all correspondence for your records of filing your claim. Follow up with the insurance company and ensure the insurance company reviews it and processes it. 

Hire a public adjuster

If your insurance company denies your roof claim, consider hiring a public adjuster. A public adjuster is a licensed professional who works on behalf of policyholders to maximize their insurance claim settlement. They have extensive knowledge of insurance policies and can help navigate the claims process, negotiate with the insurance company, and ensure that you receive a fair and proper settlement for your roof damage. 

When you hire a public adjuster, research and choose a reputable, experienced professional specializing in roof claims. They will be your advocate throughout the process, helping you gather documentation, assess the extent of the damage, and present a solid case to the insurance company. With a public adjuster on your side, you can increase your chances of a successful roof claim settlement.

Remember, even if your insurance company may deny your claim, with persistence and diligence, you can secure the coverage needed for roof installation, roof replacement, or a new roof. If your insurance policy will not cover the damages, consider hiring a public insurance adjuster specializing in roof claims to file a roof claim on your behalf. 

Your claim was denied? You can take action! Get your claim approved today. Contact us to get a free initial consultation.