From our experience, having a roof insurance claim denied is more common than you think. The good news is, just because your claim has been denied doesn’t mean that’s the end. Denied insurance claims can be disputed successfully, especially if you work with an experienced insurance claims team and roofer.


Generally, and from our experience, homeowners insurance companies cover roof damages as long as you can prove that you are a diligent homeowner who keeps their house in tip-top condition with regular inspections.

However, in our experience, roof damage insurance claims can get rejected for the following reasons:

  •      You were negligent in your roof maintenance
  •      Your roof (before the damage) was old and near the end of its lifespan (15+ years old)
  •      Your roofing installer used subpar materials and/or workmanship
  •      You didn’t handle the insurance claims process appropriately
  •      You took too long to file the claim and the official time limit expired
  •      The damage is only on the surface
  •      A non-covered peril caused the damage

If the cause of loss is not included in your home insurance policy, you can definitely expect a denied insurance claim. Please consult with an attorney or a public adjuster regarding your policy coverage as TTLC is not a Public Adjuster or a Law Firm.


A denied or insufficient insurance claim is not the end of the line. Here at TTLC Roofing, Siding, and Gutters, we have resources that include third-party insurance experts who can dispute your denied claim and make sure it gets approved.

The first thing they will do is to contact your insurance company and ask for specifics about why your claim was rejected. This will help them build a solid case to fight it. Then they will start the internal appeal process on your behalf and write an appeal letter to your insurance company with your approval.

Over the last several years, we have established good relationships with Allstate, State Farm, Liberty Mutual, and many other renowned and trusted insurance providers. When an insurance adjuster arrives at your home for inspection, our roofing technicians will be there to ensure the adjuster does a thorough job. Having us present during the external assessment of your roof will speed the process up, and ensure that you have a contractor that can provide the adjuster the steps needed to restore your home.


If you filed for the insurance claim yourself or with the help of another contractor, the best next step you can take is to call TTLC right away. Our qualified roofing professionals will measure, document, and photograph the amount of damage your home was exposed to. Our on-site team will be present when the adjuster from your insurance company comes back to your house for a roof inspection.

We can offer our expertise in the degree of damage to your siding, gutters, and roofing, and point out things the adjuster may have overlooked during their first visit. At the end of the day, please remember that prevention is always the best protection. Schedule inspections of your roof, siding, and gutters every few months so our professionals can check that everything is in best shape.

If you live in Plainfield, IL, contact your agent and go over your policy to make sure you have the best coverage for hail storms, and learn the limits of your coverage. If you want assistance with your denied insurance claim, give us a call at 815-475-5355 or leave us a message online and we will get back to you shortly if we can assist or provide a recommendation to a trusted third party.