Denied Roof Insurance Claim? Steps to Get the Coverage You Deserve

A denied roof insurance claim can feel like a major setback, especially when your roof has suffered damage from storms, leaks, or wear and tear. However, a rejection from your insurance company doesn’t mean you have to accept the decision. There are steps you can take to appeal, provide stronger evidence, and even explore alternative options to get your roof repaired or replaced.

At Gemsco Roofing & Solar, we help homeowners navigate insurance claims while offering top-tier roof repair, roof replacement, and solar solutions. More importantly, our Green Roof Energy Program provides an alternative path for homeowners to get a new roof or roof repairs at no cost by leveraging solar incentives and the 30% federal Investment Tax Credit (ITC).

If your roof claim was denied, don’t lose hope. Follow these steps to fight back and secure the coverage you deserve.

1. Understand Why Your Claim Was Denied

Before taking any action, carefully review the denial letter from your insurance provider. Insurance claims are often denied due to:

• Insufficient documentation – Lack of evidence proving the damage was recent.

• Pre-existing damage – The insurer may argue that your roof was already in poor condition.

• Policy exclusions – Some policies do not cover wind, hail, or water damage.

• Wear and tear – Insurance only covers sudden damage, not aging or neglected issues.

• Delayed filing – If you waited too long to report the damage, your claim may be rejected.

If your insurance company claims the damage is due to roof aging, it may be time for a roof replacement. Our Green Roof Energy Program can help cover the cost by using solar incentives.

2. Request a Reinspection

If you believe your roof insurance claim was unfairly denied, you can request a second inspection. Sometimes, the first adjuster may have missed critical damage or underestimated the severity of the problem.

How to Strengthen Your Reinspection Request:

✅ Hire a licensed roofing professional to inspect your roof and document the damage. At Gemsco Roofing & Solar, we provide detailed assessments to help homeowners support their claims.
✅ Provide before-and-after photos of your roof to show recent damage.
✅ If your home has solar panels, ensure that the inspection covers removal and reinstallation of solar panels, as insurance companies sometimes overlook these components.

3. Strengthen Your Claim with Additional Evidence

Insurance companies require solid proof that the damage should be covered under your policy. The more detailed your evidence, the stronger your case.

Essential Documentation for Your Appeal:

📷 Photos & Videos – Capture multiple angles of your roof leaks, missing shingles, or storm damage.
📑 Professional Inspection Reports – A roofing contractor’s report carries more weight in an appeal.
📝 Weather Reports – If your claim was denied after a storm, weather data can help prove the cause of damage.
🔄 Maintenance Records – If you have previously had a roof repair, these records show you maintained your roof properly.

4. File an Appeal with Your Insurance Company

Once you have gathered additional evidence, submit a formal appeal to your insurance company. This should include:

• A detailed explanation of why the denial was incorrect.

• Supporting documents, including photos, contractor reports, and weather data.

• A request for re-evaluation of your claim.

If your insurance company still refuses to provide coverage, don’t give up—you may have other options, such as financing or the Green Roof Energy Program.

5. Consider Legal Action If Necessary

If you have exhausted all options, but your insurance provider is acting in bad faith—delaying responses, undervaluing claims, or ignoring evidence—you may need to consult a lawyer.

When to Contact a Lawyer:

✅ Your insurance company wrongfully denies your claim despite clear evidence.
✅ Your insurer offers an extremely low settlement compared to repair costs.
✅ There are delays or non-responsiveness in communication.

While legal action should be a last resort, it can be effective in forcing insurers to honor valid claims.

6. Explore Alternative Solutions with the Green Roof Energy Program

Even if your insurance claim is denied, there is another way to get a new roof or repair at no cost. Our Green Roof Energy Program helps homeowners replace or repair their roofs using solar incentives and the 30% federal Investment Tax Credit (ITC).

How It Works:

✅ Install a solar energy system on your home.
✅ The ITC and other solar incentives cover the cost of your roof repairs or replacement.
✅ You get a new roof and lower energy bills—all at no out-of-pocket cost.

If your roof is damaged or aging and insurance won’t cover it, this program may be the perfect solution.

Final Thoughts: Don’t Settle for a Denied Claim

A denied roof insurance claim doesn’t mean you’re out of options. By gathering evidence, requesting a reinspection, and filing an appeal, you can fight for the coverage you deserve. And if your insurer still won’t pay, the Green Roof Energy Program offers an alternative way to get a new roof or repair at no cost.

At Gemsco Roofing & Solar, we specialize in roof repair, roof replacement, and solar panel installation to help homeowners find the best solution for their roofing needs.

📞 Contact us today for a free roof inspection and to see if you qualify for our Green Roof Energy Program to get a new roof at no cost!