What Do I Do If An Insurance Adjuster Denies Roof Claim?

What Do I Do If An Insurance Adjuster Denies Roof Claim?

What do I do if an insurance adjuster denies roof claim? If you have a roof damage claim that was denied by your insurance company, don’t despair. You have options. The first step is to review your insurance policy to see what coverage you have for roof damage. Most policies will cover wind and hail damage, but not wear and tear. If your policy does not cover the type of damage you have, you may be out of luck. However, if your policy does cover the damage, you need to take some action.

What Do I Do If An Insurance Adjuster Denies Roof Claim?

Appeals process

If an insurance adjuster denies your claim for roof damage, there are several options to appeal the denial. The first step is to request a re-inspection of the damage. This process can be helpful in uncovering damage that may have been missed in the original assessment. It’s also a good idea to hire a reputable roof contractor to assess the damage to your roof.

You can appeal the decision of an insurance adjuster by collecting evidence of the damage to your property and presenting it to the insurance company. If you can prove that the damage is due to a faulty roof, the insurance company may send another adjuster to investigate the claim. In many cases, an insurance company will also send a public adjuster or a roofing contractor to your home to review the situation. If you feel that the first adjuster’s decision was unfair, you can also seek the assistance of a roofing contractor or a public adjuster to obtain additional evidence of the damage. You can also take your appeal further by hiring an attorney or filing a complaint with a state agency.

If you receive a denial letter from an insurance adjuster, you can file an appeal. You can also follow up with the insurer, asking them when they expect to hear your appeal. Appeal processes take time, so it’s worth asking how long it will take before a decision is reached.

While some roof insurance claims are approved, others are denied entirely. When this happens, it can be frustrating for homeowners who are trying to get back on their feet after a severe storm. Sometimes, insurance adjusters will deny a claim based on “pre-existing damage” or “wear and tear.” The policy’s purpose is to cover sudden events like tornadoes or large wind events, such as a hurricane. Even if the insurance company does its best to maintain quality control, a defective product can make it to the market.

Hidden roof components

If an insurance adjuster denies your roof claim, you may have hidden roof components that he or she can’t see. These components can make the difference between getting the full amount of your claim or being turned down completely. There are some tips you can follow to help ensure your claim gets approved.

Exclusions in your policy

When an insurance adjuster denies your claim for roof damage, it’s best to check the exclusions in your policy. Some insurance policies exclude roof claims because they involve materials that are difficult to replace, such as slate or cedar shakes. Your policy may also exclude damage caused by second-layer shingles. To avoid getting a bad insurance deal, read your policy carefully and understand all the details.

If the insurance adjuster cites exclusions in your insurance policy for denying a roof damage claim, make sure to call your insurance agent to discuss your options. Some insurance policies do not cover damage caused by wildfires or earthquakes. You may also have an exclusion for damage that occurs over time, such as normal wear and tear. For example, if your roof is over 20 years old, your insurance adjuster may point out that it’s not covered for storm damage.

Another way to avoid a denial for roof damage is to check your policy for any pre-existing damage. Some insurance policies exclude coverage for pre-existing damage, which means your insurer won’t pay for it unless you can show them the problem.

Another reason for denying a roof damage claim is an insurance company’s policy’s exclusion of falling objects and earthquakes. These policies are designed to cover specifically named perils, so the adjuster does not want to pay the full cost to replace a roof. Moreover, many old roofs do not receive the proper maintenance, which means they leak. When this happens, the insurance company will not cover the cost of repairing the roof.

If you’re denied an insurance claim that you believe to be rightful, then the best course of action would be to seek legal counsel. You can try to negotiate with the insurance company first. If you feel that their decision is unfair or unjust, then your next step would be to file a claim in court.

Intentional damage

Insurance companies will not pay for damages incurred to your home if you were unable to prevent them. For instance, you may have installed your own shingles or put up Christmas lights. But, if you were not careful, you might have put your foot through the roof. Another common reason for a denied claim is that you failed to communicate with your roofing company properly.

While you may not be able to prove that you intentionally damaged your roof, you can show the adjuster that you did so and that the damage was intentional. For instance, you may have caused the problem by ripping or creasing your shingle mat. In either case, you should keep your receipts handy and be prepared to explain the damage to the adjuster.

If the insurance company denies your claim, you can appeal the decision. Typically, the first step in the appeals process is requesting a re-inspection of the damages to your roof. In this way, you might discover damage that the adjuster missed during the original assessment. You should also have a licensed roof contractor assess the damage to your roof.

In addition to taking pictures of the damage to your roof, you should file a police report. The insurance company will want to see the damage in order to make the decision. If you have insurance, it would be wise to take pictures of the damage before making temporary repairs. You should also contact your insurance company as soon as possible. They will want to know about the damage, the cause of it, and how long you have to file a claim.

Roofing contractor meeting with the adjuster

If you have received a denial letter from your insurance adjuster, the best thing you can do is to meet with the adjuster in person and present your case. You should be able to show him the evidence of damage on the roof and explain to the adjuster why the claim should be approved. If the adjuster still denies your claim, you can seek a second opinion from a structural engineer. A structural engineer is an excellent source of proof that your roof is faulty, and can help support your claim. However, you should consider this option as a last resort, and only in extreme cases.

Once your roof is inspected by the insurance adjuster, your roofing contractor should attend the meeting. Even if your insurance company initially denies your claim, the contractor should be present when the adjuster meets with you. The adjuster’s job is to approve or deny your roof claim, depending on the damage found and the insurance policy.

Regardless of whether the adjuster denies your claim, there is a good chance he will approve the roof claim based on the evidence that you provide. Your contractor will be able to provide the adjuster with evidence of the damages, as well as the photos taken by you. You will need to present this evidence to the adjuster and make sure that all the details are there.

The first step in this process is to prepare for the meeting. The insurance adjuster may come out as a team. So, you will need to prepare to explain what the damage is in order to be successful. It’s important to understand that the insurance adjuster’s job is not to judge your character. Don’t try to punish the adjuster. Always make sure the adjuster has enough evidence to support the claim.

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Kyle Houck


About the Author

Kyle Houck is the President of Eastern Exteriors, LLC.

Eastern Exteriors, LLC is a family-owned company based in Frederick, Maryland. From new roof installation and roof repairs by professional roofers to premium window installations and expert siding installation, we are a full-service exteriors and contractor roofing company. And, if storms blow your way, we’ll be there to assess and repair the damage quickly.

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