Your insurance denied your roofing claim—now what? Don’t panic. Many homeowners face this hurdle, but with the right approach, you can fight back and secure the coverage you deserve.
1. Understand Why Your Claim Was Denied
Insurance companies deny claims for common reasons:
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“Normal wear and tear” – They argue damage is due to age, not a covered event.
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“Insufficient evidence” – Poor documentation or missing storm reports.
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“Pre-existing damage” – They claim issues existed before the incident.
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Policy exclusions – Some policies exclude certain weather events (e.g., hail, wind).
Action Step: Request a detailed denial letter—it’s required by law.
2. Gather Strong Evidence to Challenge the Denial
A weak claim gets rejected. A strong one gets paid. Collect:
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Recent photos/videos of storm damage (timestamped if possible).
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A professional roof inspection report (preferably from a trusted roofer like Hart Roofing).
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Weather reports proving storms occurred in your area.
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Previous maintenance records to counter “pre-existing damage” claims.
Pro Tip: Insurance adjusters often miss hidden damage. A roofer’s expert opinion can be crucial.
3. File a Formal Appeal (The Right Way)
Don’t just resubmit—build an airtight case:
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Write a clear appeal letter addressing the denial reasons point by point.
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Attach all supporting evidence (inspections, photos, weather data).
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Cite your policy language to prove coverage applies.
Warning: Deadlines matter. Most insurers give 30–60 days to appeal.
4. Escalate to a Public Adjuster or Legal Help
If the insurer still refuses, bring in reinforcements:
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Public adjusters fight for you (for a fee, usually 10–20% of the claim).
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Roofing contractors (like Hart Roofing) can provide expert testimony.
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Legal action may be necessary for bad faith denials.
Did You Know? Many denied claims get approved after professional intervention.
5. Prevent Future Claim Issues
Stop denials before they happen:
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Schedule regular roof inspections (especially after storms).
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Document everything—before and after photos, repair receipts.
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Review your policy annually to ensure proper coverage.
Hart Roofing Can Help: We provide free inspections, detailed reports, and work directly with insurers to maximize your claim success.
Don’t Accept a Denial—Fight for Your Roof!
Insurance companies bank on homeowners giving up. With the right evidence and persistence, you can overturn a denied claim.
Need Expert Backup? Hart Roofing specializes in storm damage assessments and insurance disputes. Call us today for a free consultation!
Phone : 713-281-2886 | Mail : info@hartroofingtx.com
