What To Do If Insurance Denied Roof Claim in Spokane WA

Knowing what to do if insurance denied roof claim can make all the difference in getting the coverage you need for your roof repair or replacement in Spokane.

As a property owner, you rely on your insurance company to provide you with financial support in the event of damage to your roof. However, sometimes even with a valid claim, insurance companies may deny your claim which can be frustrating.

So in this blog, we’ll tell you exactly what to do in case your insurance denies your claim, including some of the reasons why and some tips on how you can prevent that from happening.

what to do if insurance denied roof claim​

Reasons Why Your Insurance Roofing Claim is Denied

First and foremost, it’s important to understand why your claim was denied. Insurance companies may deny claims for a variety of reasons, including:

  • Lack of proper documentation
  • Pre-existing damage
  • Failure to properly maintain the roof
  • Coverage exclusions
  • Disputes over the cause of damage


If you’re unsure why your claim was denied, you can reach out to your insurance company to request a detailed explanation. This can help you understand what steps you need to take next.

What To Do If Insurance Denied Roof Claim

Once you understand why your claim was denied, here are some steps you can take:

  • Review Your Policy

    Before taking any action, review your insurance policy to understand why your claim was denied. Insurance companies have specific guidelines on what they cover, and your policy may not cover certain types of damage or may have exclusions.

    If you don’t understand why your insurance roofing claim was denied, contact your insurance company to explain their decision.

  • Seek a Second Opinion

    If you’re not satisfied with your insurance company’s decision, seek a second opinion from a licensed roofing contractor. A professional roofer can inspect your roof, provide a detailed report on the extent of the damage, and offer an opinion on whether your claim should be covered.

  • Document the Damage

    Document any damage to your roof with photographs or videos. This will help support your claim and show the extent of the damage. Make sure to take photos from different angles and include both close-up and wide-angle shots.

  • Appeal the Decision

    If you believe that your claim was unfairly denied, you can appeal the decision. Your insurance company should provide you with information on how to file an appeal, including any necessary forms or documentation.

    Be sure to provide as much evidence as possible to support your claim, including documentation of the damage, estimates from contractors, and any other relevant information.

  • Consider Hiring an Attorney

    If your appeal is unsuccessful, you may want to consider hiring an attorney who specializes in insurance law.

    An attorney can review your policy, assess the evidence, and provide guidance on how to proceed. They can also negotiate with your insurance company on your behalf or represent you in court if necessary.

  • Look for Alternative Funding

    If your insurance claim is still denied, you may need to look for alternative funding to cover the cost of repairs or replacements. This could include personal savings, a loan, or even a roof financing.

    While this may be a difficult decision, it’s important to address roof damage promptly to prevent further damage to your property.

Tips for Preventing Denied Claims

The best way to avoid a denied claim is to take preventative measures. Here are some tips to help you prevent roof damage and ensure your claim is covered:

  • Regular Maintenance

    Regular maintenance is key to keeping your roof in good condition. This includes inspecting your roof regularly, cleaning gutters, and trimming trees near your roof. Also, keeping your roof well-maintained can help prevent damage from weather and other external factors.

  • Address Damage Promptly

    If you notice any signs of damage, such as missing or damaged shingles, or leaks, address them promptly. Ignoring damage can lead to further damage and more expensive repairs.

  • Know Your Policy

    Understanding your insurance policy is critical to ensuring your claim is covered. Review your policy carefully and make sure you understand what is covered and what is not. If you have any questions, contact your insurance company for clarification.

    Make sure to also ask about what to do if insurance denied roof claim so you know what steps in case the need arises.

  • Keep Good Records

    Keep a record of all maintenance and repairs you’ve done on your roof. This can help support your claim if you need to file one. Make sure to keep all receipts and invoices for any work done on your roof.

  • Choose the Right Contractor

    When hiring a roofing contractor, choose one who is licensed, insured, and has a good reputation. A reputable contractor can provide quality work and help ensure your claim is covered.

Palmer Construction Is The Right Contractor!

If you don’t know what to do if insurance denied roof claim, then don’t hesitate to reach out to our roof insurance claim experts at Palmer Construction. We can help you understand your options and work with you to build a case for an appeal. Remember, you have the right to fight for the coverage you deserve. Contact us today to get started!

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