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What to Do if Insurance Denied Roof Claim

July 11, 2022
Insurance Claims , Residential Roofs , Storm Damage
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Have you had recent damage to your roof but insurance denied your roof claim? Wondering what to do if insurance denied your roof claim? You have 3 options after an insurance denial for a roof claim. 

  1. File an insurance rebuttal for your roof claim
  2. Opt for an out of pocket roof repair or roof replacement 
  3. Wait for another storm to file another insurance roof claim

Filing an Insurance Rebuttal

If you are not sure what to do if insurance denied roof claim, it is always recommended to have a professional roofer inspect your roof prior to filing a homeowner’s insurance claim on your roof. An experienced and professional roofer can determine if the damage is extensive enough to file a claim on your roof. The roofer will be able to find the most recent storm date and extensively inspect and take photographs of your roof to assist with your claim. The roofer will also attend the meeting with the insurance adjuster to discuss findings. If the insurance adjuster denies your claim and the roofer has found evidence that the roof is damaged extensively from a recent storm, he/she will suggest filing an insurance rebuttal only if there is substantial damage on your roof caused by a recent storm. The roofer will take extensive photographs and write up damages and you will get a second insurance adjuster to meet on your claim to approve or deny the claim.

Opting for an Out of Pocket Roof Repair

If the damage is localized to one area on the roof, it is possible that the roofer will offer an option to repair the damaged area. The roof repair could possibly cost less than the cost of your insurance deductible which could also prevent you from filing in the first place. It is very important to get a roofer to inspect the roof before filing an insurance claim for roof damage to ensure that the damage is too extensive to be repaired, or if the repair will be more expensive than the cost of your deductible. If you have already filed a claim and been denied by your insurance provider, the roofer can quote a roof repair which could be a less expensive option for the current storm damage than coming out of pocket for a full roof replacement.

If your roof is aging with no storm damage acquired, the roofer may suggest coming out of pocket for your roof replacement because without storm damage the roof will not be approved by an insurance provider.

Waiting for Another Storm

Sometimes there is damage to the roof from a storm, but it could just not be extensive enough for insurance to approve the claim for a new roof replacement. In this instance a roofer can let you know if you need to wait and see if the roof acquires additional damage from another storm to file a claim. If the roof has hail damage but it is not extensive enough to decrease the life of the roof, the roofer could tell you to take the “wait and see” approach and not file a claim on your roof yet, which prevents you from having a claim on your insurance record until the damage is severe enough for you to replace the roof.

What constitutes a claim for a new roof?

Hail damage with strikes 1-3” in size and ideally 10 strikes (sometimes 6-8) per slope can constitute a homeowner to file a claim on the roof. This damage will likely cause issues in the structure of the roof and possible leaks if not resolved by replacing the roof. Wind damage can also cause structural damage to the roof by uplifting or blowing off multiple shingles. Wind damage with lifted shingles could resolve with a repair in some instances, so it is important to speak with a professional roofer before filing your insurance claim.

Call a Local Roofer before Filing a Claim

At Priority Roofing LLC, our roofers in Shreveport/Bossier can assist you with the roof inspection, filing a claim on your roof, and working with your insurance provider throughout the process. Our roofers offer free roof inspections and estimates for roof replacements or roof repairs and can guide you through the process of insurance and construction on your roof. Call our team of professional roofers today to schedule an inspection or estimate on your roof at 318.202.2123 or book an appointment online.

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