If your insurance claim for roof damage has been denied, you might be feeling frustrated and uncertain about what to do next. The good news is that a denial doesn’t necessarily mean the end of the road. With the right contractor by your side, it’s often possible to have the decision overturned.
Here’s what you need to know about handling a denied roof claim and how to protect yourself moving forward.
Ask Your Contractor About the Next Steps
First things first—contact your roofing contractor. A skilled and experienced contractor will know how to navigate the insurance process and can often help you get a denial overturned. They will review the denial letter, assess the reasoning, and work with you to challenge the decision if necessary.
Many claims get denied due to misunderstandings or miscommunications between the insurance company and the homeowner. In these cases, a contractor who knows the ins and outs of roofing damage and insurance claims can provide the documentation and evidence needed to prove the extent of the damage.
Why Having a Contractor on Your Side Is Critical
One of the most important things to remember is never to let an insurance adjuster assess your property without your contractor present. While insurance adjusters are knowledgeable about identifying damage, they may not be fully versed in standard roofing practices. Adjusters often underestimate the severity of the damage and may conclude that repairs are sufficient when, in reality, a full replacement is necessary.
A licensed contractor can advocate for you, ensuring that the adjuster sees the true extent of the damage. Without a contractor present, there’s a risk that the adjuster may miss critical information, leaving you to cover repair costs out of pocket when your claim is denied or underpaid.
Why Some Roofing Claims Get Denied—and What You Can Do About It
Claims are often denied for reasons like insufficient evidence, damage being deemed minor or repairable, or exclusions in your policy. However, if you and your contractor believe the damage warrants a full roof replacement, there are steps you can take to appeal the denial.
Here’s how your contractor can help:
1. Re-inspection request: Your contractor can request a re-inspection of the property, this time with both the adjuster and contractor present. This allows your contractor to point out any areas of concern and provide evidence that supports your case.
2. Provide documentation: Your contractor will create detailed reports, photos, and estimates that clarify the extent of the damage and demonstrate why a full repair or replacement is necessary.
3. Negotiate with the insurance company: A good contractor can act as your advocate, speaking directly with your insurance provider to ensure your roof’s needs are properly addressed.
Avoid Future Issues by Staying Proactive
To avoid the stress of a denied claim in the future, always make sure to have a licensed contractor with you during the initial inspection with the insurance adjuster. This ensures that any damage is correctly assessed and documented from the start, giving you a stronger case for an approved claim.
How Paragon Contracting Can Help
At Paragon Contracting, we specialize in advocating for homeowners. If your claim was denied, don’t panic—our experienced team can help you navigate the appeal process and work to get the decision overturned. We’re committed to making sure you receive the coverage you deserve for your roof repairs or replacement.
Schedule a Consultation Today!
If your claim has been denied or you’re dealing with roof damage, contact Paragon Contracting for a consultation.
