What To Do If Roof Insurance Claim Is Denied: Essential Steps and Expert Tips

May 20, 2023


Moises V.




May 20, 2023


October 13, 2023

Got Questions?

Discovering that your roof insurance claim has been denied can be a challenging situation. A damaged roof not only poses safety concerns but also places a significant financial burden on homeowners. 

Nevertheless, there is still a glimmer of hope. In this all-encompassing blog article, we will escort you through the essential measures to undertake if your roof insurance claim has been turned down. By adhering to these procedures and executing proficient recommendations, you can boost the likelihood of securing insurance coverage for the repair or replacement of your roof.

What To Do If Roof Insurance Claim Is Denied: Essential Steps

Step 1: Understand the Reason for Denial

Begin by carefully reviewing the letter or notification from your insurance company explaining the reason for the denial. It could be due to various factors such as insufficient documentation, lack of evidence, policy exclusions, or specific reasons outlined in your policy. Understanding the exact cause of denial will help you address the issue effectively.

Step 2: Review Your Insurance Policy

Thoroughly review your insurance policy, paying close attention to the coverage and exclusions related to roof repairs or replacements. Familiarize yourself with the terms and conditions that may have influenced the denial decision. This understanding will help you identify potential grounds for appealing the denial and strengthen your case.

Step 3: Document the Damage

Compile all the essential proof to corroborate your claim. Record the destruction to your roof with unambiguous photographs or videos depicting the magnitude of the predicament. Assure that you furnish detailed evidence, comprising images before and after the event, to exhibit the influence of the damage on your roof’s structural soundness.

Step 4: Consult with a Professional Roofer

man with hard hat standing on steps inspecting house roof

Contact a reputable and experienced roofing contractor to conduct a thorough inspection of your roof. A professional roofer can provide an unbiased assessment of the damage and produce a detailed report that supports your claim. Their expertise and documentation will play a crucial role in the appeal process.

Step 5: Communicate with Your Insurance Company

Establish communication with your insurance provider to deliberate the negation and declare your purpose to challenge the verdict. Preserve a composed and proficient bearing during these dialogues. Be ready to furnish any supplementary details or certification they may necessitate, for example, the report from the adept roofing contractor.

Step 6: File an Appeal

Follow the proper process in filing an appeal with your insurance company. Typically, this involves submitting a well-crafted appeal letter that outlines your case, presents all relevant information, provides supporting evidence and documentation, and clearly explains why you believe the denial was incorrect. Construct a strong argument for reconsideration.

Step 7: Engage with an Insurance Claims Specialist

What To Do If Insurance Denied Roof Claim - Insurance specialist agreeing with  the customer

Contemplate procuring the facilities of a respectable insurance claims expert or public adjuster. These specialists possess ample expertise in interacting with insurance corporations and can offer valuable direction throughout the appeals procedure. They will operate on your behalf, bargaining with the insurance company to optimize your prospects of a favorable resolution.

Expert Tips for Success

  1. Keep Detailed Records: Sustain detailed records of every communication, encompassing dates, times, and the identities of the persons you communicate with at the insurance company. This substantiation will be indispensable in case of any clashes or further elevations.
  2. Be Persistent and Patient: Resolving a denied roof insurance claim may take time and persistence. Be prepared for multiple rounds of communication and follow-ups. Stay persistent and maintain open lines of communication with your insurance company.
  3. Seek Legal Advice if Necessary: In case your efforts to appeal prove futile, it might be apt to pursue legal counsel from an attorney specializing in insurance legislation. They can scrutinize your case, offer direction on the lawful alternatives at your disposal, and safeguard your interests in case of a judicial confrontation.
  4. Explore Alternative Financing Options: While navigating the appeal process, explore alternative financing options for your roof repair or replacement. This may include personal loans, home equity loans, or contractor financing. Having a backup plan ensures that your roof receives the attention it needs, even if the roof insurance claim is ultimately denied.


Facing a denied roof insurance claim can be disheartening, but there are steps you can take to challenge the decision. By understanding the reason for denial, reviewing your insurance policy, documenting the damage, consulting with professionals, and following the proper steps, you can increase your chances of a successful appeal. 

Remember to maintain detailed records, stay persistent, and seek expert advice when needed. Ultimately, the goal is to ensure that your roof repair or replacement is covered by insurance, providing you with the necessary resources to restore the safety and integrity of your home.

Needing roof repair or replacement? Contact Viking Contractors today. Our experienced team will assess your roof, provide a detailed estimate, and deliver high-quality workmanship. 

Don’t wait for further damage – schedule a consultation now for reliable, efficient, and cost-effective solutions. Trust Viking Contractors for all your roofing needs.

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