My roof insurance claim was denied. Is that final?
A denied claim is not always final. Claims are commonly denied because the damage was judged to be wear and tear, the damage cost less than the deductible, or the damage could not be tied to a specific storm. Your denial letter should explain the reason, and some denials can be reviewed again with better documentation.
Common reasons claims are denied
The most common reasons are wear and tear instead of storm damage, damage that costs less than the deductible, damage that cannot be tied to the date of the storm, and policy exclusions such as cosmetic damage to a metal roof.
Read your denial letter closely, because the next step depends on the reason given.
Requesting a reinspection
An adjuster may miss damage on part of a roof, especially after a large storm when many homes need to be inspected. A reinspection gives the insurance company a second look.
Photos of the damage, the date of the storm and a clear description of what was found all help when you request a reinspection.
What a contractor can do in Texas
A contractor can inspect your roof, document the damage and meet with the adjuster at your home. A contractor cannot negotiate your claim or interpret your policy for you, because that requires a public adjuster license.
Be cautious of anyone who offers to waive your deductible or promises that a claim will be approved.
Related questions
How long do I have to dispute a denial?
It depends on your policy, and the deadline is often listed in the denial letter. It is best to act soon.
Can a contractor waive my deductible?
No. In Texas, a contractor cannot waive, rebate or cover your deductible.
What if the damage costs less than my deductible?
Then a claim may not make sense, and paying for the repair directly is usually the better option.
