The short version
- Ask for the reason in writing
- Check it against your policy
- Gather more evidence
- Know your options for review
Get the reason
Ask the insurer to explain the decision in writing and to refer to the policy language it relied on. Note any deadlines for disputing the decision.
Stay calm and keep records.
Check your policy
Read the policy sections the insurer cited. Look for exclusions, limits and definitions. An agent or a qualified professional can help you interpret them.
Policies differ widely.
Add evidence
Photographs, inspection reports and a roofer’s written findings can address factual disagreements, such as whether damage came from a storm or from wear. Ask the insurer to reconsider with the new information.
A second opinion can help.
Know your options
Insurers usually have an internal review process. Many states have a department of insurance that takes complaints, and some owners consult a public adjuster or an attorney.
We cannot give legal advice. We can give roofing facts.
General information, not engineering, legal, insurance or safety advice. Roofs, policies and local requirements vary, and every situation should be judged on its own facts. If anyone is in danger, call emergency services first.
