What to Do If Your Insurance Denies Your Roof Claim

What to Do If Your Insurance Denies Your Roof Claim

Getting a denial letter from your insurance company after you’ve filed a roof damage claim can be incredibly frustrating—especially when you’re left staring at leaks, missing shingles, or major storm damage. At Roofing Georgia, we’ve helped many homeowners navigate denied claims and get the repairs they need. Here’s what you should do if your roof claim is denied—and how we can help you turn things around.

1. Review the Denial Letter Carefully
The first step is to read the denial letter thoroughly. Insurance companies are required to explain why a claim was denied. Common reasons include wear and tear, lack of maintenance, improper installation, or the belief that the damage was not caused by a covered event (like hail, wind, or fallen trees). Understanding their reasoning will help you decide your next steps.

2. Compare the Reason with Your Policy Coverage
Go back to your homeowner’s policy and review the specific language related to roof coverage. Check for exclusions and limitations, including age-related clauses or cosmetic-only damage. Sometimes, damage that looks minor could actually be compromising the structure of your roof—something that should be covered under many policies.

3. Schedule an Independent Roof Inspection
Insurance adjusters may miss critical damage or underestimate the severity of what they saw. Roofing Georgia offers thorough, professional inspections to provide an unbiased second opinion. We’ll document the damage with photos and reports that can be submitted as part of your appeal.

4. File an Appeal or Request a Reinspection
Most insurance companies allow you to appeal a denial or request a reinspection. Present your new inspection report, along with any supporting evidence such as weather reports or photos from the date of the storm. Our team at Roofing Georgia can even meet with the adjuster on-site to make sure nothing is overlooked.

5. Get Help from a Roofing Contractor with Insurance Experience
Not all roofing companies understand the ins and outs of insurance claims—but we do. Roofing Georgia has worked directly with insurance providers across Georgia and can assist in documenting damage, interpreting policies, and communicating with your adjuster throughout the process.

6. Consider a Public Adjuster or Legal Advice
If your appeal is still denied and you believe it’s unfair, you may want to hire a licensed public adjuster to review your case or consult with an attorney. This is especially helpful when dealing with large claims, complicated policies, or extensive storm damage.

Don’t Give Up—We’re Here to Help
A denied claim doesn’t mean you’re out of options. Many Georgia homeowners have successfully overturned denials with the right documentation and support. Roofing Georgia is committed to helping you every step of the way—from inspection to appeal, and from emergency repair to full restoration.

If your roof claim was denied, don’t panic. Call Roofing Georgia and let us advocate for you and your home.