Valeriu Gurau

With over 15 years of industry experience, Valeriu Gurau is the founder of Built To Last Roofing. His extensive knowledge and expertise in the roofing business allow him to provide strategic solutions and ensure exceptional operational performance.

Table of Content

Pre-Existing Damage

This is a common reason for denial. The insurance adjuster may determine that the roof damage is due to wear and tear, age, or lack of maintenance, which are typically excluded from standard homeowners insurance policies.

Incorrect Installation or Manufacturer Defects

If the adjuster determines the damage stems from faulty installation or defective roofing materials (a manufacturer's defect), they may deny the claim. In these cases, the responsibility could fall on the roofing contractor or manufacturer.

Insufficient Documentation

Your roof damage claim needs strong supporting evidence. Without the proper documentation, such as photos of the damage, detailed descriptions, repair estimates from a reputable roofing contractor, or receipts for previous roof repairs, your claim will be weaker and could result in denial. 

Policy Exclusions

Carefully review your homeowners' insurance policy. Certain perils, such as earthquakes, floods, or acts of war, are often excluded from standard policies. In these cases, you may need additional coverage to protect against these specific risks.

In general, you need to know all the things that homeowners insurance covers.

Missed Deadlines

Every homeowner's insurance policy has deadlines for filing claims. Missing these deadlines, even by a few days, can result in a claim denial. Be sure to file your claim on time and keep track of all communication and documentation.

Insurance Adjuster's Interpretation

Sometimes, claim denial arises from a difference of opinion. The insurance adjuster's interpretation of the damage, its cause, or the extent of your insurance coverage may differ from your understanding.

Review the Denial Letter Carefully

The insurance company's roof claim denial letter should clearly state the reason for denying your roof claim. Understanding their rationale is crucial for building your rebuttal.

Contact Your Insurance Agent

Discuss the denial with your insurance agent. They may be able to provide additional insights into the insurance company's decision and guide you through the appeals process.

Gather Additional Documentation

Strengthen your claim by collecting more evidence. This may include additional photos of the roof damage, repair estimates from multiple roofing contractors, documentation of past roof maintenance, or reports from a professional roof inspector.

Request a Re-Inspection

If you believe the initial inspection was inadequate or that the adjuster missed or misinterpreted something, you have the right to request a re-inspection. Ideally, have a professional roofing contractor, like Built to Last Roofing, present during the re-inspection to provide expert insights and counter any inaccurate assessments.

Consider a Public Adjuster

Public adjusters are independent professionals who specialize in assisting homeowners with insurance claims. They can assess the damage, gather evidence, negotiate with the insurance company on your behalf, and navigate the complex claims process so that your claim is fairly evaluated.

File an Appeal

Most insurance companies have a formal appeals process. Gather all your documentation, including the denial letter, your evidence, and any expert opinions, and submit a written appeal clearly explaining why you believe the denial is unjustified.

Seek Legal Counsel

If all else fails and you believe your claim was unfairly denied, consider consulting an attorney specializing in insurance claims. They can advise you on your legal options and represent you in negotiations or potential litigation.

Comprehensive Roof Inspections

Our team of experienced and certified roofers will thoroughly assess the damage to your roof, identify the cause, and provide a detailed report with photographic evidence. This professional assessment can be invaluable when disputing a claim denial based on pre-existing damage, wear and tear, or the insurance adjuster's interpretation.

Expert Opinions

We leverage our extensive knowledge of roofing materials, installation techniques, and industry standards to provide expert opinions that can counter the insurance adjuster's assessment. We can help clarify whether the damage is due to a covered peril, such as windstorm, hail, or sudden accidental damage, or if it's the result of a manufacturer defect or incorrect installation.

Documentation Assistance

We understand the importance of proper documentation in the roof insurance claim process. Our team can help you gather the necessary paperwork, including repair estimates, material specifications, and any relevant receipts or invoices, to build a strong case for your claim.

Temporary Repairs

To prevent further damage to your roof and protect your home while you navigate the claims process, we offer prompt and reliable temporary repairs. This demonstrates to the insurance company that you’re taking proactive steps to mitigate further loss and protect your property.

Communication with Your Insurance Company

We act as your advocate, communicating directly with your insurance company, the claim handler, and the adjuster. We clearly explain the scope of the damage, the necessary repairs, and why your claim should be approved.

Quality Roof Repairs or Replacement

Once your claim is approved, you can trust Built to Last Roofing to deliver high-quality roof repair or a total roof replacement using the best roofing materials available. We stand behind our work with comprehensive warranties and a commitment to customer satisfaction.

"What to do if insurance denied a roof claim?" is a question no Texas homeowner wants to ask. Facing roof damage, whether from a sudden storm, persistent leaks, or years of wear and tear under the Texas sun, is stressful enough. But when your insurance company denies your roof claim, it can feel like a double blow.

Don't stress! Built to Last Roofing is here to guide you through the insurance claim process and help you navigate the next steps to get your roof repaired or replaced.

6 Common Reasons Why Insurance Companies Deny Roof Claims

Insurance companies, like any business, want to minimize costs. While they have a responsibility to fulfill valid claims, they also employ teams of insurance adjusters who scrutinize each roof claim, looking for reasons for denial. 

Understanding the insurance company's perspective and the common reasons for roof claim denials can help you prepare and advocate for your needs:

6 Common Reasons Why Insurance Companies Deny Roof Claims

7 Steps to Take If Your Roof Claim Is Denied

If your roof insurance claim is denied, don't give up! 

There are steps you can take to appeal the decision and get the coverage you deserve:

7 Steps to Take If Your Roof Claim Is Denied

How Built to Last Roofing Can Help in the Denied Insurance Process

As a leading roofing contractor serving Texas, Built to Last Roofing understands the complexities of roof damage claims and the challenges homeowners face when dealing with insurance companies.

We know how to maximize your insurance claim, and we offer comprehensive assistance throughout the claims process, including:

Don't Let a Denied Claim Leave You Exposed!

Having your roof claim denied can be discouraging, but always remember that you have options. By understanding the reasons behind denials, taking proactive steps, and seeking professional assistance from Built to Last Roofing, you can increase your chances of getting your claim approved and ensuring your roof gets the necessary repairs or replacement.

Built to Last Roofing is here to support Texas homeowners through every step of the roof insurance claim process. From the initial inspection and documentation to negotiations with the insurance company and the final repairs or replacement, we’re your trusted partner in protecting your home and ensuring your roof is built to last.

Reach out to our team and get the maximum for your case!

Worried About a Denied Roof Claim?

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How common is it for roof claims to be denied?

Unfortunately, insurance companies deny claims more often than many homeowners realize. 

This could be due to several factors, such as:

  • Strict coverage terms: Insurance policies, whether property insurance policies or homeowner's insurance policies, often contain strict coverage terms and conditions. Be sure to carefully review your policy and understand what’s covered and what’s excluded.
  • Cost-cutting measures: Insurance companies are businesses, and like any business, they aim to minimize costs. This can sometimes lead to claim denials or lowball settlement offers.
  • Differing interpretations: Disagreements over the cause of the damage, the extent of the damage, or the applicable coverage can lead to claim denials.

What happens if the insurance company still denies your claim?

If you've exhausted all other options and your insurance company still refuses to pay for your roof damage, you may need to consider:

  • Filing a lawsuit: As a last resort, you can file a lawsuit against your insurance company if you believe your claim was unfairly denied. However, this can be a lengthy, complex, and expensive process, so it's important to consult with an attorney specializing in insurance law to understand the potential risks and rewards.
  • Paying out-of-pocket: In some cases, it may be more practical to pay for the roof repairs yourself, especially if the damage is minor or your roof requires urgent attention. If you choose this option, be sure to get multiple estimates from reputable roofing companies like Built to Last Roofing to ensure you receive fair pricing and quality workmanship.

How to file a successful roof claim?

Here are some tips to increase your chances of a successful roof insurance claim:

  • File your claim promptly: Don't delay. Report the damage to your insurance company as soon as possible after it occurs. This shows that you’re taking the situation seriously and helps initiate the claims process quickly.
  • Document everything: Take clear photos and videos of the roof damage, including close-ups and wide shots, to provide visual evidence. Document any related damage to your property and belongings. Keep detailed notes of conversations with the insurance company, adjusters, and contractors.
  • Get multiple estimates: Get estimates from at least three qualified roofing contractors so you have a range of options. This helps ensure you receive fair pricing for the necessary repairs or replacements.
  • Understand your policy: Carefully review your homeowner's insurance policy to understand your coverage limits, deductibles, and any exclusions. This knowledge will empower you during the claims process and help you advocate for your rights.

How can I prevent future roof damage and insurance claims?

To prevent future roof damage and insurance claims, prioritize regular roof maintenance. Schedule annual inspections with a professional roofing contractor like Built to Last Roofing, address any minor repairs promptly, ensure proper ventilation in your attic, and keep your gutters and downspouts clean and free of debris. By taking a proactive approach to roof maintenance, you can extend the life of your roof and minimize the risk of damage.

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