Renovations to the home you live in might be getting in your way. You may have thought it was just because of the smell or that someone was having a difficult time doing some remodeling, but there may be a more sinister reason: roof coverage claim denial. Roof coverage claim denial is when an insurance company denies your eligibility for a new roof because they think you are still covered under your old roof. If you are denied this type of coverage, it’s likely that the company will try and find another way to charge you for repairs rather than giving up on their original policyholders’ claim process…


Most insurance companies will not tell you about this practice. They will instead cite an obscure provision in your policy that you can’t understand and then immediately inform you that if you think they’re wrong, you can sue them or switch to another provider. Don’t let yourself be fooled, this article gives some insight into what insurance companies are really doing and how they are trying to scam millions of American homeowners into paying twice for their home repairs.

The Common Scenario

Many homeowners with a new roof have discovered the hard way that their insurance company had denied the claim because they thought it was already covered by the old roof. Sadly, this has happened to thousands of homeowners, who unknowingly ended up having to pay for their own renovations.

Not Informing People

Although insurance companies are not obligated by law to inform people about their doings, if you paid for a completely new roof, you’re likely entitled to some reimbursement. If your insurer did not tell you that they weren’t making payment arrangements with your contractors until after the work was completed, then they may be required to pay you back the cost of the repairs.

This policy only applies if the old roof is still standing and in good condition. If it’s torn up and covered in mold or if it’s too damaged to work with anymore then you are no longer covered by it.

In this scenario, the insurance company is not making a claim. Instead, they are trying to cover themselves by denying your right to an acceptable roof system.

Insurance Policy

The only way you can get a new roof after your old one is completely covered by another type of insurance policy is to file a claim with your current insurer and then apply the funds through that policy. (Remember, it may take 2 or 3 different claims processes before all sections of your policy are reconciled.

The Ultimate Deal On Roof Claim Denied

In the United States, there are many homeowners who have filed a total of about $4.6 billion dollars in roof claim denied claims to their home insurers. This is an average amount paid out by insurance companies for claims that were denied because they were deemed as shoddily made or had minor damage that was not covered by the policy. The goal of this blog post is to explain what it means when a roof claim is denied, and how you can try to get your money back from your insurance company if it happens to you.

What Makes a Roof Claim Denied?

Most people think that when they file a roof claim denied, it’s because the insurance company does not believe that the work was alright, or that there is a leak somewhere in the house. This is not always the case. In fact, many times the damage was minor, and can easily be repaired or have some kind of protection placed on it to prevent any additional damage. When an insurance company refuses to pay for a claim because they consider it as “minor damage,” try your hardest to negotiate with them. They may be willing to pay for the repairs in order to receive payment or a reimbursement from their homeowner’s insurance company. If you have your own insurance and the incident took place in your home, bring up the fact that the claim was denied because the damage was not major enough. This will probably smooth over any problems that may arise with your insurer.

What Can You Do If Your Roof Claim Is Denied?

This is where it gets a little tricky, since dealing with an insurance company can be difficult. Generally, insurance companies will require proof of who did the work, what they did to repair it and how much was paid for said repairs before they will issue a check or pay out any money at all. If you are not sure whom you should hire, contact us and we will be happy to help you out. If the repair was minor, there is nothing that the insurance company can use as a reason to deny payment. This can make it hard for them to refuse your claim on a minor roof damage claim.

How Can You Fight Your Insurance Company?

Fighting with your insurance company is hard but not impossible. Make sure that you have proof of everything that was done so far to repair your roof, including receipts of any materials used, pictures of the damaged areas and also include any kind of estimates given to repair your roof claims.