Storms & Insurance · 6 min read
Your Roof Claim Was Denied. Here's What to Do Next.
Published
A denial is a first opinion, not a final verdict. A meaningful share of the denials we see get reversed with better documentation.
Read the denial letter carefully
Carriers must state the specific policy language they're relying on. 'Wear and tear,' 'cosmetic damage,' and 'no storm-related damage observed' are the three common reasons, and each one has a different counterargument.
Get independent documentation
An adjuster who spends fifteen minutes on a roof after a regional hail event will miss things. A detailed contractor inspection with chalked test squares, impact counts per slope, and collateral damage photos gives you something concrete to submit.
Request a re-inspection
You're entitled to ask for one, ideally with a different adjuster or an engineer. Have your contractor present. Most reversals happen at this stage.
Escalate if needed
The Ohio Department of Insurance takes consumer complaints and carriers respond to them. Public adjusters and attorneys are options for large claims, though both take a percentage.
If any of this applies to your own home, our insurance claim assistance crews handle it every week, and you can see how we work in your area on our Troy, Ohio roofing page. Inspections and written estimates are free either way — call 937-749-7767.