What to Do If Your Roof Insurance Claim Is Denied: Steps to Take

Dealing with roof damage can be stressful, especially when faced with the harsh reality that your roof insurance claim is denied. Whether it’s due to severe weather, aging, or unexpected incidents, roof repairs are crucial and often urgent.

Unfortunately, navigating the waters of insurance claims can be complex and, at times, disappointing. But a denied claim does not mean the end of the road. In this article, we’ll explore the reasons behind denied claims and provide a detailed step-by-step guide on what to do if your roof insurance claim is denied.

Why Is My Roof Insurance Claim Denied?

If your roof insurance claim is denied, it’s crucial to understand why this happened. Below, we outline the prevalent causes of such denials, which can enlighten you on how to navigate the situation more effectively.

  • Inadequate Maintenance or Wear and Tear

Most insurance policies exclude damages caused by neglect or normal wear and tear. Insurance companies expect homeowners to perform regular inspections and upkeep. If an insurer determines that the damage to your roof resulted from neglect, your roof insurance claim is likely to be denied.

  • Incorrect Filing or Incomplete Information

Filing an insurance claim requires adherence to strict guidelines and deadlines. Errors in form completion, insufficient documentation, or missing deadlines may result in claim denial. It’s crucial to double-check all paperwork and comply with all procedural requirements when submitting a claim.

  • Exclusions Listed in the Policy

Insurance policies typically list specific exclusions, which are scenarios or types of damage that are not covered. If your roof damage falls under one of these exclusions, your roof insurance claim may be denied.

  • Previous Damage or Unreported Changes

If the insurer finds out that the damage existed before the current policy period or if you’ve made significant alterations to your property without notifying them, they might deny your claim. Insurers base their coverage on the state of the home when the policy was issued or renewed. Therefore, pre-existing damage or unreported modifications can affect your claim’s validity.

  • Claim Exceeds Policy Limits

Your insurance policy has limits on how much it will pay for different types of damage. If the cost to repair your roof exceeds these limits, your claim could be partially or fully denied. It’s important to understand the limits of your coverage and how they apply to different types of damage.

What to Do if Your Roof Insurance Claim Is Denied

If you find yourself in the unfortunate position where your roof insurance claim is denied, it’s crucial not to panic. There are several steps you can take to potentially overturn the decision or find an alternative solution. Here’s a step-by-step guide on what to do:

Review the Denial Letter and Your Policy

Firstly, carefully review the denial letter to understand the insurer’s reasons for rejecting your claim. Then, compare these reasons with the terms of your policy. Focus on your coverage details and note any exclusions that might have influenced the decision. Understanding the exact reasons why your roof insurance claim is denied will guide you in your next steps.

Collect Evidence and Documentation

Start compiling all relevant documents that can support your appeal. This should include photographs of the roof damage, detailed reports from roofing contractors, any previous inspection reports, and records of maintenance. Additionally, gather all communications with your insurance company. The stronger and more comprehensive your evidence, the better your chances of overturning the denial.

Write a Detailed Appeal Letter

Draft a clear and concise appeal letter to your insurance company. In the letter, state why you believe your roof insurance claim was wrongly denied. Reference specific parts of your insurance policy that support your case and attach all the collected evidence. Make sure the letter is factual, polite, and professional. This document is crucial in the appeal process as it represents your argument against the denial.

Consult with a Professional

Consulting with a roofing expert is crucial at this stage. A professional can provide a detailed evaluation of the damage and validate the necessity of the repairs, which strengthens your appeal. Additionally, a public adjuster or an attorney specializing in insurance claims can offer invaluable advice on your case. Their comprehension of insurance policies and the appeals process can greatly improve the chances of achieving a favorable result.

Submit Your Appeal

Once your appeal letter and all documentation are ready, submit them to your insurance company following the specific appeal procedures they provide. It’s essential to adhere to any guidelines and deadlines to avoid further issues. Ensuring your appeal is complete and submitted correctly is crucial for its success.

Follow Up Regularly

After submitting your appeal, it’s important to stay proactive. Follow up regularly with your insurance company to monitor the progress of your appeal. Keep detailed records of all communications during this period. Consistent follow-up can help ensure your appeal doesn’t fall through the cracks and demonstrates your commitment to resolving the matter.

Consider Alternative Dispute Resolution

If your appeal is denied and you still believe the decision is incorrect, consider alternative dispute resolution (ADR) methods like mediation or arbitration. These approaches can be quicker and less expensive than going to court and often lead to a resolution satisfactory to both parties.

Legal Action as a Last Resort

Initiating legal proceedings should be your last resort if your roof insurance claim is denied and all other efforts to resolve the issue have not succeeded. While litigation can be expensive and lengthy, it might be the final step if you’re certain about the legitimacy of your claim and have exhausted other options. Seek advice from an attorney experienced in insurance law to understand your chances of success and the potential costs involved.


Can I make repairs before the insurance claim is resolved?

It’s advisable to prevent further damage to your property, so making temporary repairs might be necessary. However, significant repairs should ideally wait until the appeal process is complete. Make sure to document all damage and keep receipts for temporary repairs to include in your appeal documentation.

How can I prevent future roof insurance claims from being denied?

Consistent maintenance and timely repairs are crucial to prevent issues related to wear and tear. Maintain thorough documentation of all inspections, maintenance, and repairs performed on your roof. Understand your insurance policy’s terms and conditions, and ensure that you comply with all policy requirements.

Can I change insurance companies if my claim is denied?

If your roof insurance claim is denied and you’re dissatisfied with your current provider’s service or decision, you are free to change insurance companies. However, make sure that you have sufficient coverage before canceling your existing policy to prevent any coverage gaps.


Navigating through the process when your roof insurance claim is denied can indeed be daunting. However, being well-informed about your rights and available actions can empower you to address and resolve the situation effectively. If you’re facing issues with your roof and insurance claims, don’t hesitate to reach out to professionals who can assist you in this stressful time. 

For expert roofing services and guidance on insurance matters, consider contacting Strong Roofing. With our expertise, you may find the support and solutions you need to protect your home and peace of mind. Call us now!