My roof insurance claim was denied. Is that final?
Not always. Roof claims are often denied because the damage was judged to be wear and tear, the damage was less than the deductible, or it could not be tied to a specific storm. Reading the denial letter tells you the reason. In some cases, a reinspection with clear documentation of the damage can lead to the claim being approved.
Common Reasons Claims Are Denied
Claims may be denied when the adjuster believes the damage is from wear and tear, when the cost of the damage is less than your deductible, when the damage cannot be linked to the storm date, or when the policy excludes certain types of damage.
Your denial letter should explain the reason, which will help you decide what to do next.
Requesting a Reinspection
If you believe damage was missed, you can ask your insurance company about a reinspection. Photos and clear documentation of the damage are important.
What a Roofing Contractor Can Do
A roofing contractor can inspect your roof and document the damage. In Texas, only a licensed public adjuster can negotiate a claim on your behalf, and a contractor cannot waive your deductible.
Related Questions
How long do I have to dispute a denied claim?
It depends on your policy. Check your denial letter and policy, and act as soon as you can.
Does a reinspection cost anything?
Ask your insurance company. Sunny Side Roofing’s roof inspections are free.
What if the damage is less than my deductible?
Then the repair would not be paid by your insurance. You can still get a free estimate for the repair itself.
Should I sign a contract before my claim is settled?
Read any contract carefully before you sign it, and ask questions about anything that is not clear.
