Know Your Coverage!
Do you know the specifics of your homeowners insurance? At Revive Roofing & Restoration, we recommend talking with your agent about the details of your plan. Finding out whether you have roof leak damage after your roof is already leaking is not the best scenario. Policies vary, so it is beneficial to have a good understanding of storm damage coverage. Revive Roofing & Restoration are leaders in navigating the insurance claims process. Filing a claim without all the proper documentation, can lead to a quick denial. Your insurance may disagree about the extent of damage. If your claim has been denied, you are not out of options. Let us take over this process. We will provide a comprehensive inspection with detailed documentation and photos to be submitted to your insurance. Let’s start with why your claim was initially denied.
Why Was My Roof Insurance Claim Denied?
Basically, insurance companies do not want to cover damages to an older roof that hasn’t been maintained. Review the explanation carefully and call Revive for assistance.
Common reasons an insurance claim is denied:
Damage Is Considered Normal Wear and Tear
- Most common reason for denial
Pre Existing Damage
- Damage existed before the covered event
Improper Maintenance
- Adjuster will look for signs of aging
Policy Criteria for Replacement
- Policy exclusions or deductible is too high
Claim Was Not Filed Properly
- Waiting too long to file with proper information
Insurance May Only Approve a Repair Rather Than Replacement
- Also may deny cosmetic claim if roof is still functional
Specific Documentation Must Connect the Damage to a Covered Event
- Documentation should show how the roof damage is connected to the covered event
- Some adjusters only inspect the roof from ground level and damage can be easily missed.
Schedule a free roof inspection with Revive Roofing & Inspection. We are Southeastern Pennsylvania storm damage experts. We are honored to be trusted by homeowners and businesses with inspections, storm damage repairs and honest roofing recommendations.
Revive is GAF certified with decades of experience, we will handle your roof and insurance claims from start to finish.
What Should I Do If My Roof Insurance Claim Is Denied?
This is not the final say. It is important to understand why the claim was denied and how that is related to the terms in your policy. Revive can assist you in this process and hopefully lead to a more detailed report that supports your claim successfully.
Next steps are:
1. Review the Denial Letter
Look for insufficient evidence.
2. Review Your Insurance Policy
We can help you to understand your policy.
3. Ask Your Insurance Company About Reinspection or Review
The coverage will depend on your policy, but Revive can report on the scope of damage and condition of roof.
4. Call Revive for a Professional Inspection
Having a comprehensive assessment with documentation can make all the difference in your claim. We look for:
- Missing, lifted, or creased shingles
- Hail impacts
- Wind damage
- Damaged flashing
- Roof penetrations
- Water intrusion
- Damaged gutters and exterior components
- Signs that damage extends beyond a small repair area
5. Document the Roof Damage
Any additional findings to the extent of your roof damage will help to have your claim reconsidered.
If your roof insurance claim was denied, Revive Roofing & Restoration can inspect your roof, document the damage, and provide the roofing information you need to better understand your next steps.
Have a denied roof claim? Contact Revive Roofing & Restoration to schedule a roof inspection.
Can a Denied Roof Claim Be Reconsidered?
Every policy is different. When there is a disagreement concerning the roof damage and documentation can be provided to back up that fact, a claim may be reconsidered. Revive Roofing& Restoration helps homeowners navigate the insurance claims process from start to finish. We are storm damage and insurance inspection experts. We give thorough photo documentation and damage reports that will support your insurance claim.
What If Insurance Says My Roof Damage Is Wear and Tear?
Understandably, this is one of the most important distinctions in a roof claim. Insurance companies don’t want to pay for wear and tear damage. That’s why it is so important to have licensed roofing professionals and adjusters, like Revive on your side, from the start. We can document storm damage and distinguish that damage from normal roof aging.
Documentation is vital linking a weather event to your roof damage. Photos of debris impact, missing or damaged shingles and other roofing components will help to make your claim stronger.
What If Insurance Only Approved a Roof Repair?
Sometimes the disagreement isn’t whether damage exists, but how much work is necessary to properly restore the roof.
Your insurer may initially approve a limited repair while a comprehensive roofing inspection identifies more extensive damage. This is especially true, if your adjuster only did a cursory examination. Your roof may appear intact from the ground, but there can be hidden damage that can lead to more extensive leaks and damage over time. Revive will always perform a detailed roof inspection. We document storm damage and supply photos with supporting documentation. We help you navigate the entire process and coordinate with your insurance adjusters as needed.
Should I Get a Second Roof Inspection After a Denied Claim?
Absolutely. If you believe storm damage was overlooked or the insurer’s assessment doesn’t match what you’re seeing on your roof, getting another professional inspection can provide additional information.
This is particularly helpful when:
- You disagree with your insurance adjusters conclusions
- Your neighbors also experienced severe damage
- You’re experiencing leaks following a storm
- Shingles are missing or visibly damaged
- The insurance inspection was limited
A second inspection doesn’t guarantee coverage, but it can give you a clearer understanding of your roof’s actual condition.
Should Your Roofer Be Present for the Insurance Inspection?
Yes, whenever possible. At Revive Roofing & Restoration, we help coordinate the insurance inspection so a member of our roofing team can be present when the insurance adjuster evaluates your property.
The insurance adjuster is there to inspect the loss on behalf of the insurance company. Having your own experienced roofing contractor present helps make sure the roof is thoroughly evaluated from a roofing perspective and that visible storm damage is brought to the adjuster’s attention.
What Can Happen If Your Roofer Isn’t There?
Without a roofing contractor present, damage can be overlooked or the extent of the necessary repairs may not be fully identified during the initial inspection.
For example:
- Subtle wind or hail damage may not be identified
- Damage to different slopes or roofing components may be overlooked
- The inspection may result in a smaller repair scope than the roofer later determines is necessary
- The adjuster may not have access to the roofer’s photos, measurements, or findings during the inspection
- Differences between the insurance estimate and the actual roofing scope may not be identified until later
That can leave the homeowner trying to resolve those differences after the insurance inspection has already taken place.
Why Revive Coordinates the Inspection
Revive doesn’t just inspect your roof and send you on your way. We can help schedule the insurance inspection so our team is there when the adjuster arrives.
Our roofer can walk the property with the adjuster, point out documented areas of damage, and discuss the condition of the roofing system. We help to make sure relevant damage isn’t missed. We will evaluate shingles, flashing, ridge caps, gutters, skylights, chimney flashing and roof decking for signs of damage
The insurance company ultimately determines what is covered under your policy. Revive’s role is to make sure you have an experienced roofing professional present who is focused on the condition of your roof and what is necessary to properly restore it.
How Revive Helps After a Denied Roof Claim
Revive Roofing & Restoration helps homeowners understand the roofing side of the insurance restoration process.
Our team can:
- Inspect your roof for storm damage
- Photograph and document visible damage
- Identify necessary roofing repairs
- Prepare a detailed roofing estimate
- Explain the condition of your roofing system
- Provide relevant roofing documentation
- Complete approved roof repairs or replacement
- Help schedule and coordinate the insurance inspection
- Be present when the insurance adjuster inspects the property
- Point out documented storm damage and roofing concerns during the inspection
We focus on providing an accurate assessment of the roof rather than promising a particular insurance outcome.
If a reinspection is scheduled, let Revive know before the appointment. We can coordinate with you so a member of our roofing team can be present and make sure the adjuster has an opportunity to review the areas of damage we identified.
Denied Roof Claim After Wind or Hail Damage?
Storm damage isn’t always obvious from the ground. If your roof claim was denied after a wind, hail, or severe weather event, Revive’s comprehensive storm damage assessment can help determine whether damage may have been missed.
High winds can damage your roof long before you notice a leak and hailstorms can leave behind more than visible dents. Revive Roofing & Restoration provides professional wind and hail damage inspections, honest repair recommendations, and storm restoration services throughout Southeastern Pennsylvania and Northern Delaware. We are:
- Licensed Roofers & Public Adjusters
- Storm Damage & Insurance Claim Inspectors
- Licensed Roofers & Public Adjusters
- BBB A Rated Business
- Leak Detection & Roof Condition Assessment Experts
- 5-Star Rated
- Trusted professionals in the community with 18+ Years of Experience
Schedule a free roof inspection today to get a clearer understanding of your roof’s condition and the next steps available to you.
Frequently Asked Questions
Why would insurance deny a roof claim?
A roof claim may be denied because the insurer determines the damage is related to age, wear and tear, maintenance issues, pre-existing conditions, an excluded cause, or insufficient evidence of damage from a covered event. The exact reason should be stated in your denial documentation.
Can I dispute a denied roof insurance claim?
Your options depend on your insurance policy and the reason for the denial. You can ask your insurer about its process for submitting additional information or requesting further review. Revive’s comprehensive storm damage assessment can help determine whether damage may have been missed. We can coordinate a meeting and present our findings to the adjuster. This will increase your chance of having your claim reevaluated.
Can a roofer help with a denied insurance claim?
Yes, We at Revive will be there when your insurance adjuster comes for the inspection. We will walk through our findings at the adjuster meeting. Showing our documentation can be extremely helpful in this process.
Should I get another inspection if my roof claim was denied?
It can be worthwhile when you believe damage was missed or disagree with the assessment of your roof. An additional inspection can provide photographs and professional documentation of the roof’s current condition.
Will insurance pay for an entire roof if only part is damaged?
It depends on the extent of the damage, the roofing system, the terms of your policy, and the insurer’s coverage determination. A professional roofing contractor, like Revive, can assess whether a localized repair is technically appropriate or whether a broader scope of work may be necessary.
Can Revive guarantee my denied claim will be approved?
No. Insurance coverage decisions are made by the insurance company according to the policy. Revive can provide a professional roof inspection and documentation of the damage, but cannot guarantee a particular claim outcome.
