Home Services

There are a variety of reasons why roof insurance claims are denied



While there are numerous reasons that roof insurance claims could be rejected, they all depend on the details of the policy. Your deductible is the most important factor influencing whether or not you can submit a claim for damage. Here’s what else could cause issues:

You might exceed the limits on specific kinds of insurance like hail and wind damage. the insurer could conclude that there is no evidence (or inadequate proof) of the amount it would cost to repair each part. It is possible that you do not keep accurate records about costs as well as the receipts of contractors who made repairs following storm-related events, which can be a reason for the roof insurance claim to be rejected. These are only a few of the reasons why your claim may be denied.

Not meeting your deductible:

It is important to understand the terms of your policy, as well as the percentage that will be deducted from the total amount when you submit an insurance claim. There might be two different deductibles for home repairs. One is for windstorms or hurricane damages (which is likely to cover the majority of concerns) as well as one for all other costs. It is important to understand the costs that are added to one another to avoid having to pay more. It is also possible to differ from one state to the next. The law of property insurance is complex and requires a solid understanding of the law that you should seek out.

Lack of coverage

If you file an insurance claim that is greater than your insurance limit, you might not receive an outright denial. The amount you’re awarded is reduced by this figure and, in the majority of cases, will not exceed $50,000.

This information is straightforward and doesn’t provide any explanation of what it means when we refer to insurance companies or limits on policy. But knowing more about how those terms function can help us become more conscious of their use right from the beginning, instead of being waiting until something happens that could result in losing money or their home.

Non-Covered Problems:

Home insurance is split into different policies that protect a specific number of “named perils” (i.e., things like hail, wind, and fire). The policies HO1 and HO2 only cover specific perils. A HO3 policy will cover all except those that are specifically excluded. Even if fallen trees onto your roof it’s possible to be denied coverage because the fall objects clause isn’t included in your home’s insurance policy unless it is specifically mentioned in writing in the terms and conditions of your contract (CTC) changing section 1-9 – Exclusions Falling Objects. There are a variety of insurance policies for homes. Each one provides coverage against various “named perils”, such as wind or fire damage. Insurance companies are notorious for exploiting loopholes to reject claims. Get an attorney involved if you received a denial.

Your roof is old enough

Roof insurance claims are denied when a roof is older than. These companies won’t cover roofing that is older than 15 years. However, hail or wind damage can be covered. Whatever age your roof has been, an authorized contractor will examine it to confirm that.

A third party is also liable:

Homeowners insurance doesn’t protect homeowners from damages caused by negligent or intentional acts of visitors and service professionals. Before you have any work done at your house, verify with the company to make sure they’re insured and bonded so that if any problems occur during their work, whether intentional or otherwise, you’ll be covered.

What to Do If Your Claim is denied or underpaid:

If you are rejected or underpaid on your homeowner’s insurance claim, here’s what you can do.

If your homeowner’s insurance claim is denied by an adjuster or an insurance company Make sure that the adjuster or insurer has all the documentation and evidence. Contact someone who represents clients against insurance companies on how to appeal a decision to reject. They will be able to provide many more details than we can provide online.

Contact an attorney:

A public claims adjuster is more costly than an insurance claims attorney, but they have the legal knowledge and experience to advocate for you. If they have information or advice that could assist you, they will examine the insurance policy, claim details as well as denial letters.

A lawyer who represents insurance claims is the best option to win an unfair denial. Attorneys are on hand for free consultations and will go over the policy’s details to identify any errors. They would like you to be a client.

A Sunshine State Law Firm Attorney will review all paperwork related to your case to ensure that everything is in order before they put together their strategy; there’s no reason not to benefit from this service, especially when it can bring money back into your bank account.

Collect evidence:

Insurance companies may claim that roof damage was caused by negligence or a preexisting health condition. If this is the case, you should gather all evidence that supports your position and give it to your attorney to pursue legal action should they need to.


If you purchase homeowners insurance, there is a good chance that your roof sustained damage in some way. You may be able to claim compensation for the damage that was not covered by your normal insurance. If this happens and your roof insurance claims are not accepted or not paid, a seasoned lawyer can ensure that you receive what is owed to make repairs possible. Sunshine State Law Firm is dedicated to each case and will be there for you throughout the whole process. Do not hesitate to contact us when you’re faced by a similar situation.

Learn more about roof insurance claim rejection…


Norman Herring