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.