Navigating Roof Insurance Claims and Denials

Your roof is one of the most vulnerable parts of your home, and after a severe storm, many homeowners expect their insurance policy to cover repairs or replacements. Unfortunately, not all roof damage is covered, and many claims are delayed, denied, or underpaid.

Why Do Insurance Companies Deny Roof Claims?

Many homeowners are shocked to learn their policy doesn’t fully cover roof repairs. Here’s why insurers may refuse to pay:

• Wear and tear – If your roof is over 10-15 years old, insurers may claim damage is due to aging rather than the storm.
• Pre-existing damage – Insurers may argue that your roof had prior issues before the storm.
• Improper maintenance – If you haven’t had regular roof inspections, the insurer may deny your claim.
• Partial damage – Some policies only cover repairs, not full replacements, even if patchwork repairs won’t fully fix the issue.

Steps to Take for a Successful Roof Claim

1. Document the damage – Take photos of missing shingles, leaks, and other visible roof issues.
2. Get an independent inspection – Have a licensed roofer or public adjuster assess the damage.
3. File your claim promptly – Most policies have strict deadlines for reporting storm-related roof damage.
4. Challenge a denial or low settlement – If your insurer is lowballing your claim, consult an attorney to dispute the decision.

If your roof insurance claim was denied or underpaid, Payne Law can help. Schedule a free consultation to protect your home and finances.