Roof Insurance Claim Disputes: When to Call a Lawyer

Filing a roof insurance claim can be stressful, especially when your insurance company denies, delays, or underpays your claim. Many homeowners feel frustrated when dealing with insurers who refuse to cover necessary roof repair or roof replacement after storm damage, leaks, or aging issues.

At Gemsco Roofing & Solar, we’ve helped countless homeowners navigate insurance claims, ensuring they receive the coverage they deserve. If your claim is unfairly denied, you may need to dispute it—but when should you take legal action? This guide will help you determine when to call a lawyer and explore alternative solutions, like our Green Roof Energy Program, which allows homeowners to get a new roof or roof repair at no cost using solar incentives and the 30% Investment Tax Credit (ITC).

1. Understanding Roof Insurance Claim Disputes

Many homeowners assume their insurance policy covers all roof-related damages, but that’s not always the case. Insurance companies often deny or minimize claims for various reasons, including:

• Pre-existing damage claims

• Policy exclusions for wind, hail, or water damage

• Disagreements over repair costs

• Delayed filing of the claim

• Inadequate documentation of damage

If your insurer refuses to cover necessary roof repairs or roof leaks, it may be time to escalate the dispute.

2. When Should You Dispute a Denied Claim?

Not all denials require legal action. Sometimes, disputes can be resolved through:

• Requesting a second inspection

• Providing additional documentation

• Negotiating with your insurance adjuster

However, if your insurer continues to deny or undervalue your claim unfairly, you may need to consult an attorney.

Signs You Should Call a Lawyer:

✅ Unfair claim denial – If your insurer denies your claim without a valid reason.
✅ Low settlement offers – If the amount offered is far below the cost of necessary roof replacement or repairs.
✅ Bad faith tactics – If your insurer delays payment, ignores evidence, or refuses communication.
✅ Complex claims – If your claim involves solar panel-related roofing issues, such as removal and reinstallation of solar panels.

3. How a Lawyer Can Help with Your Roof Insurance Dispute

A qualified insurance dispute attorney can:

• Review your policy and identify coverage loopholes

• Negotiate with the insurance company to get a fair settlement

• File a lawsuit if necessary to hold the insurer accountable

While legal action should be a last resort, an attorney can significantly increase your chances of receiving full coverage for your roof repairs or replacement.

4. Alternative Solutions: The Green Roof Energy Program

If your roof insurance claim is denied, don’t worry—there are alternative solutions. At Gemsco Roofing & Solar, we offer the Green Roof Energy Program, which allows homeowners to get a new roof or roof repair at no cost by taking advantage of solar incentives and the 30% ITC.

How It Works:

✅ Install a solar energy system on your home.
✅ The ITC and other incentives cover the cost of a new roof or repairs.
✅ Enjoy reduced energy bills and long-term savings.

Even if your insurance won’t pay for your roof replacement, you may still qualify for this program and avoid out-of-pocket costs.

5. Steps to Take If Your Roof Insurance Claim Is Denied

If your claim is denied or underpaid, follow these steps before deciding whether to hire a lawyer:

Step 1: Request a Reinspection

Ask your insurance company for a second opinion—sometimes, adjusters make mistakes or overlook damage.

Step 2: Provide Additional Documentation

Gather detailed inspection reports, photos, and weather records to strengthen your claim. At Gemsco Roofing & Solar, we provide comprehensive roof assessments to support your case.

Step 3: Get a Second Opinion from a Roofing Professional

If your insurer underestimates your damages, get an independent quote from a trusted roofing expert. We specialize in roof leak repair, full roof replacement, and solar panel installation.

Step 4: Consider Alternative Funding Options

If your claim is denied, you may still qualify for the Green Roof Energy Program, which can help cover your roofing costs.

Step 5: Consult a Lawyer If Necessary

If all else fails, consult a roof insurance dispute attorney to fight your case.

Final Thoughts: Take Action If Your Insurance Claim Is Unfairly Denied

A denied roof insurance claim doesn’t mean you have to pay out of pocket. By understanding when to dispute, when to hire a lawyer, and alternative solutions like solar incentives, you can protect your home and finances.

At Gemsco Roofing & Solar, we’re committed to helping homeowners get the roofing solutions they need. Whether it’s filing a claim, handling a roof leak repair, or removing and reinstalling solar panels, we’re here to help.

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