How Public Adjusters Can Help with Denied Roof Claims

Dealing with a denied roof insurance claim can be frustrating, especially when your home has sustained serious damage. Whether it's storm damage, aging materials, or roof leaks, many homeowners find themselves in disputes with their insurance companies over what is and isn’t covered.

If your insurance provider undervalues or denies your claim, a public adjuster can help. Public adjusters work on your behalf—not the insurance company—to ensure you receive the compensation you deserve.

At Gemsco Roofing & Solar, we understand the challenges homeowners face when dealing with insurance disputes. That’s why we not only offer expert roof repair, roof replacement, and solar panel installation, but we also provide alternative solutions, such as our Green Roof Energy Program. This program helps homeowners get a new roof or repair at no cost using solar incentives and the 30% federal Investment Tax Credit (ITC).

If your roof claim was denied, here’s how a public adjuster can help you fight for the coverage you deserve.

1. What Is a Public Adjuster?

A public adjuster is a licensed insurance professional who represents you—not the insurance company—in handling your claim. Their job is to:

• Assess and document your roof damage

• Review your insurance policy to determine what should be covered

• Negotiate with the insurance company for a fair settlement

• Handle all the paperwork and claim filing process

Unlike insurance adjusters, who work for your insurance company, public adjusters work exclusively for you.

2. When Should You Hire a Public Adjuster?

A public adjuster can be beneficial in many situations, but they are especially helpful if:

✅ Your claim was denied – If your insurance provider refuses to cover necessary roof repairs, a public adjuster can dispute the decision.
✅ Your settlement is too low – If the amount offered doesn’t fully cover your roof replacement or repairs, a public adjuster can push for a higher payout.
✅ The claim process is too complicated – If you’re unsure about insurance policies, deadlines, and documentation requirements, an adjuster can handle everything for you.
✅ You’re dealing with extensive damage – If you have a complex claim involving storm damage, leaks, or the removal and reinstallation of solar panels, an adjuster ensures that nothing is overlooked.

3. How a Public Adjuster Can Help With a Denied Roof Claim

Step 1: Reviewing Your Denial Letter

A public adjuster will carefully examine your denial letter to understand why your claim was rejected. They will check for errors, missing documentation, and any potential bad faith practices by the insurance company.

Step 2: Conducting a New Roof Inspection

A thorough independent roof inspection is key. Public adjusters will:

📷 Take detailed photos and videos of the damage.
📑 Create a comprehensive damage report to submit to your insurer.
🔎 Identify overlooked issues, such as hidden leaks or missing shingles, which might have been dismissed by the insurance adjuster.

If your home has solar panels, they will also assess whether solar panel removal and reinstallation costs should be included in your claim.

Step 3: Negotiating With the Insurance Company

Public adjusters are skilled negotiators. They fight on your behalf to ensure that your insurance company honors your policy and pays for necessary repairs or replacement.

Step 4: Securing a Fair Settlement

With a public adjuster advocating for you, homeowners often receive higher payouts that fully cover their roofing needs.

4. What If Your Claim Is Still Denied? Consider the Green Roof Energy Program

If your insurance company refuses to cover your roof replacement or roof repair, don’t worry—there’s another way to get your roof fixed at no cost.

Our Green Roof Energy Program allows homeowners to replace or repair their roofs for free using solar incentives and the 30% federal Investment Tax Credit (ITC).

How It Works:

✅ Install solar panels through Gemsco Roofing & Solar.
✅ The ITC and other incentives cover the cost of roof repairs or replacement.
✅ Enjoy lower energy bills and long-term savings.

Even if your claim is denied, this program provides a cost-effective alternative for getting the roof you need.

5. How to Get Started

If your roof insurance claim was denied, take action today:

1️⃣ Request a free roof inspection – We’ll assess the damage and help determine if you have a strong case for appeal.
2️⃣ Consult a public adjuster – If your claim was denied, a professional can fight on your behalf.
3️⃣ Explore the Green Roof Energy Program – If insurance won’t cover your roof replacement, our program can help you get one at no cost.

📞 Contact us today to learn more about your options and see if you qualify for the Green Roof Energy Program!

Final Thoughts: Don't Let a Denied Claim Stop You

If your roof insurance claim is denied, don’t accept defeat. A public adjuster can help fight for your coverage, and if insurance refuses to pay, the Green Roof Energy Program provides a free alternative to getting a new roof.

At Gemsco Roofing & Solar, we specialize in roof repair, roof replacement, and solar panel installation to help homeowners get the best possible roofing solutions.

📞 Call us today for a free consultation and find out how you can get a new roof or repair at no cost!