Facing a denied roofing insurance claim can be frustrating and overwhelming. Your roof is essential to your home's protection, and it's crucial to address any damage promptly. While a denial can be disheartening, it's important to remember that you can challenge the decision and ensure you receive the coverage you deserve. In this blog post, we'll discuss what to do when your roofing claim gets denied and offer guidance on navigating the process effectively.

Understand the Reason for Denial

The first step after receiving a claim denial is to review the communication from your insurance company carefully. Determine the specific reason provided for the denial. Common causes include policy exclusions, lack of maintenance, pre-existing damage, or insufficient evidence. Understanding the basis for the denial will help you formulate a more vigorous response and determine the appropriate course of action.

Review Your Policy

Thoroughly examine your insurance policy to familiarize yourself with the coverage details and exclusions. Pay close attention to the language used, such as specific clauses or endorsements that may affect your claim. Understanding the terms and conditions outlined in your policy will enable you to effectively argue your case and highlight areas where coverage should apply.

Gather Evidence

Compile all relevant evidence to support your claim. This may include photographs, videos, repair estimates, invoices, and other documentation demonstrating the damage's extent and the need for repairs or replacement. If there were witnesses to the event, their statements could also be valuable. The more evidence you gather, the stronger your case will be when challenging the denial.

Consult with a Roofing Professional

Seek the opinion of a reputable roofing professional who can independently assess the damage. Their expertise and detailed inspection report can serve as crucial evidence to support your claim. A professional roofer can also help you better understand the cause of the damage, whether it was due to a covered peril or not, which is vital for your claim's success.

Communicate with Your Insurance Company

Contact your insurance company to discuss the denial and express your intention to challenge the decision. Be polite and professional during all interactions, clearly explaining your point of view and providing the evidence you have gathered. Request a detailed explanation of the denial and any steps you should follow to appeal the decision.

File an Appeal

Follow the insurance company's appeal process as outlined in their denial letter. This typically involves submitting a formal written appeal that addresses the reasons for denial, includes any additional evidence, and states why you believe your claim should be approved. Be concise, organized, and persuasive in presenting your case. Consider including supporting documents from the roofing professional you consulted.

How We Can Help​

At XL Contracting, our experienced professionals work with your insurance company to ensure your repair costs are covered. With our exact estimates and exceptional communication, we can make the process go seamlessly. Contact us for a FREE inspection today or call us at (844) 507-6551.