What to Do If Your Insurance Denies Your Roof Claim

Steps to Take When You Hear “No” But Still Need Help

Keywords: denied roof claim, insurance roof dispute, storm damage appeal

Getting a letter that your roof insurance claim was denied can feel frustrating—and sometimes overwhelming. But denial doesn’t have to be the end of the road. In many cases, there are steps you can take to appeal, supplement, or reopen your claim.

Here’s what to do next.

📄 Understand the Denial Reason

Insurance claims are often denied due to:

• “Wear and tear” classification

• Lack of timely reporting

• Missing documentation

• No visible storm damage from their adjuster’s inspection

Start by reviewing the claim letter and inspection report carefully. If something doesn’t look right, you may have grounds to challenge it.

🧾 Request a Second Inspection

You are allowed to request:

• A second opinion from a licensed roofing contractor

• A reinspection by a different adjuster

• A full review of missing or miscategorized damage

We provide detailed photo reports, itemized scopes, and code upgrade documentation to support your case.

🧠 Know Your Rights

In Illinois and Iowa, you are entitled to:

• Use your own contractor (not just the insurance company’s)

• Submit supplemental claims for missed or undervalued items

• Escalate to the Department of Insurance if needed

We’ve helped dozens of clients successfully overturn low or denied offers.

📞 We’ll Help You Fight Back

At Twin Bridge Roofing and Construction, we specialize in insurance negotiations and storm damage claims—and we’re not afraid to go to bat for our clients.

📞 Call (563) 655-4902
🌐 Visit www.roofqc.com to start your claim review

Don’t take “no” for an answer—especially when your roof is on the line.