Storm Damage HubWhat to Do When Your Roof Claim Is Denied
A denied claim isn't necessarily the end of the road. Here are your options for pursuing your claim further.
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Roof storm damage restoration are denied for several reasons: the damage is attributed to wear and tear rather than a covered peril, the claim was filed outside the policy deadline, the adjuster didn't find sufficient evidence of damage, or the policy has exclusions that apply. In San Antonio, the most common denial reason is the insurance company classifying the damage as 'maintenance-related' rather than storm-related. Understanding the reason for your denial is the first step in deciding how to respond.
Request a Re-Inspection
If your claim was denied because the adjuster didn't find sufficient damage, you can request a re-inspection. Ask that a senior or more experienced adjuster be assigned. Your roofing contractor should be present during the re-inspection to point out all damage areas. Prepare thorough documentation including close-up photos of damage, weather reports from the storm date, and any test squares your contractor has prepared.
File a Supplement or Appeal
If the adjuster's estimate does not cover the full scope of work needed, your contractor can prepare additional documentation showing the work that is required. For a full denial, you can file a formal appeal with your insurance company. Include all supporting documentation: contractor inspection reports, photos, weather data, and any relevant code requirements. Most insurance companies have a formal appeals process outlined in your policy.
Consider a Public Adjuster or Attorney
If your insurer continues to deny a legitimate claim, you may want to hire a public adjuster or consult with an insurance attorney. Public adjusters work for you (not the insurance company) and typically charge 10% to 15% of the claim settlement. Insurance attorneys can be especially helpful for larger claims or bad faith denials. You can also file a complaint with the Texas Department of Insurance (TDI) if you believe your insurer is acting in bad faith.
The Appraisal Process
Most Texas homeowners insurance policies include an appraisal clause. If you and your insurer disagree on the amount of damage, either party can invoke the appraisal process. Each side hires an independent appraiser, and the two appraisers select an umpire. The appraisers inspect the damage independently and try to agree on the loss amount. If they can't agree, the umpire makes the final decision. This is often faster and less expensive than litigation.
Key Takeaways
Understand the specific reason your claim was denied before deciding next steps
Request a re-inspection with your contractor present
File a supplement or formal appeal with additional documentation
Consider a public adjuster or insurance attorney for complex or bad faith denials
The appraisal process is available as an alternative to litigation
Frequently Asked Questions
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Read GuideBack to Storm Damage HubImportant Disclaimer
Legacy Home Improvements is a licensed roofing contractor, not a public adjuster or insurance advisor. The information on this page is provided for general educational purposes only and should not be construed as insurance advice, claims guidance, or legal counsel. We do not interpret insurance policies, negotiate claim settlements, or advise homeowners on insurance matters. For questions about your specific policy, coverage, or claim, please contact your insurance company or a licensed public adjuster directly. Texas Insurance Code Chapter 4102 governs the practice of public adjusting in Texas.
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