What to do if the Insurance Company Denies Roof Claims?  One of the claims that get denied a lot is the roof claim. So many people have suffered moving damages, and they end up having their claim denied by their insurance company. After your home or business suffers significant roof damage, As a result of wind or any other major event, your insurance company turns you down. What do you do?

What to do if the Insurance Company Denies Roof Claims?

What to do if your insurance company denies your roof claim? The good news is that that is exactly what we are going to be discussing in this article today. We are going to be taking a look at some of the reasons why insurance companies deny roof claims. After that, we are going to look at what to do after our claim has been denied by our insurance company.

What to do if the Insurance Company Denies Roof Claims?

There are several things you can decide to do if your insurance company decides to decline your claim. One thing you should not do is sit on your hands and cry while doing nothing because it is your right to file claims. Filing an insurance claim is easy, but getting it approved is another thing entirely. But in this article, I have shown you what to do after your roof claim has been denied.

Why do Insurance Companies deny roof claims?

There are many reasons why your insurance company will deny your roof claim. One of the major reasons is if the circumstances of the roof damage are not covered by your insurance policy. This is why it is necessary to learn why the insurance company denies your roof claim before making an appeal. Otherwise, it will just end up getting declined as well. Below are some of the reasons insurance companies deny claims:

Wear and tear

Wear and tear or the age of the roof is one of the major factors that an insurance company declines a claim. This is because if your roof is old and not covered by insurance, you simply need to replace the old parts with new ones, which have nothing to do with each other. So, if you are buying a house that has an old roof, make sure to do proper maintenance.

Late claim

It is always very crucial to file your claim as soon as possible. The moment you discover that there is something wrong with your roof or it is damaged, you need to find your room clean. The reason is that the insurance company gives a year to find a roof damage claim. If you do not find your roof damage claim within a year of the damage, then you are definitely going to run out of luck.

Previous damage

If you have experienced an event that caused damage to your roof, which you have already collected insurance to fix. Your new insurance will not pay for damage that you have already collected insurance on. Therefore, if you have not properly fixed or damaged it and it is still causing it to fill, you might just have your claim denied by the insurance company.

Cause of the Damage – What to do if the Insurance Company Denies Roof Claims?

It is not every damage that is fixable by your insurance because many policies perfectly state the ones that will be fixed. The damage caused that is fixable by most insurance is listed below:

Hail damage

Wind damage

Sub damage

Tree branch damage

Fire damage is not on the list because sometimes most insurance companies handle fire damage differently.

What to do after your roof claim has been denied?

Below are some of the things that you need to do after your roof claim has been denied by your insurance company:

Consult professionals

Before filing an appeal, you need to consult with any of the insurance claim professionals you have close to you. They can simply help you to better understand the process of making a claim so that it is not denied again.

Appeal the claim!

Now that you have consulted the help of a professional, the next step for you to take will simply be to appeal or dispute the denied claim. But this time you need to request a different adjuster to bring him a fresh pair of eyes. What is now left is for you to wait for a decision from the new adjuster. You can also decide to ask for a resolution date to help in the case of bad faith.

Pay out of your pocket.

If your RP was also denied by your insurance company, what is left now is for you to simply pay for the damage to be repaired out of your pocket.

How to minimise denied roof claims in the future

If you were unlucky after making your appeal, you must have learnt a thing or two from the appeal process. Now take what you have learnt into account so that you do not repeat the same mistake next time. You can take a look at the things below to do so that your claim is not denied in the feature:

  • Firstly, increase your insurance coverage.
  • Repair or change your roof to high-end materials.
  • Always maintain or perform regular maintenance and document them properly.
  • Take quick action if necessary.

These are some of the ways that you will be able to prevent damage to your roof in the future. At the same time, if you practise these procedures, if you do decide to file a claim, it would not be denied.

Frequently Asked Questions

What happens if you have an insurance claim that is denied?

After your claim has been denied, your insurance company will simply provide you with the reason why it was denied. If you think that it is unjust, you can decide to appeal or take legal measures against the insurance company.

What kind of roof damage is covered by insurance?

The person that made that is covered by your insurance for damages that are caused by extreme weather events. such as straight-line winds, heavy thunderstorms, hail storms, snow storms, tornadoes and more.

Can I claim a leaking roof on insurance?

If the roof leakage is not caused by normal wear and tear or previously existing damage, you can simply file an insurance claim. When the cause of the roof leaks is sudden and unexpected, you can claim your insurance on it.

Does insurance cover storm damage to the roof?

Yes, many basic home insurance policies cover storm damages to the roof and other types of damage as well.


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