Roof Claim Denied? What to Do Next (and What Not to Do)
A denied roof claim can be frustrating—especially if you can *see* damage. The good news: a denial isn’t always the end of the road.
Here’s a practical next-step list.
First: Don’t panic (and don’t go silent)
Denials can come from:
- insufficient documentation
- scope disagreements
- the carrier attributing damage to wear/tear instead of a storm
- inspection issues (missed soft-metal hits, missed test squares, etc.)
What to do
1) **Get the denial in writing**
- Ask for the denial letter and the specific reason.
2) **Request the full claim file items**
- Carrier estimate
- Photos
- Adjuster notes (when available)
3) **Document the roof and collateral damage**
- Soft metals (gutters, vents, flashing)
- Window screens
- Siding hits
- Interior leaks (if any)
4) **Get a detailed scope from a qualified roofer**
- Not just a price—ask for a scope and photos.
5) **Ask for a reinspection (with supporting documentation)**
What NOT to do
- Don’t argue without evidence (it goes nowhere)
- Don’t rely on one blurry photo
- Don’t assume “wear and tear” is correct without verifying
Want help reviewing the denial?
If you’re in Missouri or Illinois, we can review the denial reasoning and the file to see what’s missing.
**Request a claim review:** Contact form
— STL Public Adjusting — David Day