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Denied but Not Defeated: Guide to Overcoming Residential Roof Replacement Insurance Denial


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When Under the Weather Becomes under the Cover: Exploring Insurance Denial

Hold onto your roof tiles, homeowners! It’s time to dive into the murky waters of residential roof replacement insurance denial. As our primary keyword suggests, this is no walk in the park, but you’re not alone in the battle. According to the National Association of Insurance Commissioners, in 2017, 5% of insured homes had a claim. Among these, property damage made up a whopping 98.1% of claims. Interestingly, the most common culprits? Wind and hail – nature’s own wrecking crew.

Does Homeowner’s Insurance Put a Roof over Your Head?

Often, we meet homeowners who ask: “Why was my roof repair coverage denied?” A study conducted by the Insurance Information Institute found that between 2013 and 2017, only one in fifty homeowners insurance claims were denied. Though it might seem like a small percentage, when it comes to roof replacement claims, denial rates shoot through the roof, particularly in areas prone to severe weather conditions.

Let’s not skirt around the issue – residential roofing insurance claims can be a touchy topic. But isn’t it better to go into battle armed with knowledge rather than left high, dry (or unfortunately wet) and confused?

The Not-so-covering Coverage of Roof Replacements

As per the National Association of Insurance Commissioners, the most common reason for a denied roof claim is the roof’s age or general wear and tear. Surprisingly, these are seen as maintenance issues and are usually not covered under standard homeowners insurance policies. You may sigh and think, “Well, that definitely puts a hole in my roof replacement coverage plans.”

But don’t shingle a tear. There’s hope still.

Climbing the Ladder: Overcoming Insurance Denial

While facing an insurance denial appeal might seem like a Herculean task, there are specific insurance denial solutions that could help you mount a solid defense.

Taking Stock of your Policies

Start by understanding the ins and outs of your insurance policy. Knowing what it does and doesn’t cover is the first step towards appealing insurance denial.

Reporting Right

When reporting an incident, giving a detailed and precise account of what occurred can make all the difference when it comes to a roof damage insurance claim.

Keeping Evidence

If your roof damage claim denial was down to the absence of proof, ensuring that you have evidence like photographs or videos could strengthen your case when making an insurance claim for roof replacement.

Kick it up a Notch: Hiring a Professional

If you find yourself in a home insurance roof replacement tussle, consider hiring an insurance professional who can effectively handle a roof insurance dispute on your behalf.


How can I increase the odds of my roof replacement claim being approved?

Having regular inspections, following manufacturer’s maintenance recommendations, and keeping records of these will work in your favor.

What if the insurance company declares my roof older than it is?

Standards may vary from one company to another. If you disagree with your insurer’s decision, ask a roofing contractor to inspect your roof and ask for their written opinion.

A Quick Recap: Roof Parties and Other Disasters

Being aware of the reasons behind home insurance claim refusals is the first step to winning the denied roof claim game. With a combination of in-depth knowledge, right reporting, good documentation, and professional guidance, your chances of coming out victorious in a residential roofing insurance claim increases.

Shielding your Home: Keeping the Roof above Your Head

The road to overcoming residential roof replacement insurance denial can be long and winding, similar to climbing a roof in some ways! But with the right perspective helping you overcome the inclination to give up, victory might be just around the corner. As tiring as the process may seem, remember that home is where the heart is – and a good roof helps protect everything underneath it. Embrace the challenge, arm yourself with the right tools and knowledge, and remember: You’re denied but not defeated!

Helpful Tips to Tackle Insurance Denial

  1. Understand your policy’s coverage completely.
  2. Report roof damage promptly and accurately.
  3. Have a pre-inspected roof and keep maintenance records.
  4. Keep evidence of before-and-after roof condition after an incident.
  5. Hire insurance professionals if you are unsure of appealing your case.

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