Roof Insurance Claim Denied After a Storm? Here Is What to Do Next

Caleb Cook
Jun 27
1 min read

A denied storm damage claim is frustrating, but it is not always the end of the story. Many initially denied roof claims get approved on a second look. Here is what to do next.

Why storm damage claims get denied

Claims are often denied for fixable reasons: incomplete documentation, an adjuster who missed damage during a quick walkthrough, damage labeled as wear and tear, or repairs that came in under the deductible. None of these mean your roof was not actually damaged.

Request a re-inspection or supplement

If you believe the adjuster missed real damage, you can request a re-inspection or file a supplement. The key is having clear, photographed evidence of the storm damage that was overlooked the first time.

Get an independent roofer's documentation

A thorough inspection from an experienced roofer often turns up damage the first adjuster did not record. We document every impact and flashing detail, which gives you the evidence to support a second look at the claim.

How Dodd helps reverse a denial

We have a strong track record of getting initially denied claims approved by re-documenting the damage and advocating for the homeowner with the carrier. We act as your advocate, not your insurer's. Learn more about our storm damage process.