What to Do If Insurance Denied Your Roof Claim

A denied roof insurance claim can be incredibly frustrating—especially when your roof is clearly damaged and in need of repair. If you're a homeowner in North Texas navigating the insurance process after storm, wind, or hail damage, don’t give up yet. You have options, and we’re here to walk you through them.

At K&M Roofing and Construction, we’ve helped hundreds of homeowners reverse denials and get the coverage they deserve. Here’s exactly what to do next.

Step 1: Review the Denial Letter Closely

Start by reading the claim denial letter from your insurance provider. Most denials fall into one of these categories:

• Normal wear and tear (not storm-related)
  
  
• No storm verification (insurance says no weather occurred nearby)
  
  
• Partial damage (only some shingles affected)
  
  
• Pre-existing issues (damage occurred before your policy started)
  
  
• Improper installation or manufacturer defects
  
  

➡️ If you’re unsure what your denial means, check your policy or request clarification from your insurance representative.

Need help interpreting your coverage? Our insurance claim assistance team can guide you.

Step 2: Request a Reinspection—With a Roofer Present

Your next move should be to schedule a reinspection and have a licensed roofing professional—like K&M Roofing—present during the adjuster’s visit.

Why? Because:

• Insurance adjusters are not roofing experts
  
  
• Damage is often missed or misclassified
  
  
• Roofers can mark damage with chalk, take photos, and provide expert documentation
  
  

💡 Schedule your free roof inspection today to get a second opinion backed by decades of experience.

Step 3: Collect Independent Storm Verification

If your insurer claims there was no storm, you can push back. Here’s how:

• Get a certified hail report from a third-party weather vendor
  
  
• Take timestamped photos or videos of roof damage, interior leaks, or missing shingles
  
  
• Collect neighbor testimonials or social media posts showing storm evidence
  
  

Local proof strengthens your case. You can also show them damage typical of hail and wind storms that we see regularly in Texas.

Step 4: File a Formal Appeal With Supporting Evidence

If you believe your claim was wrongly denied, submit a formal appeal:

• Write a clear, professional letter disputing the denial
  
  
• Include all new evidence: inspection reports, photos, storm verification, etc.
  
  
• Ask for a specific response deadline
  
  

Keep records of every call, email, and document you send. If the insurer continues to stall or reject, it might be time to escalate.

Step 5: Escalate to the State Insurance Department

In Texas, if your insurance provider fails to act in good faith, you can file a complaint with the Texas Department of Insurance (TDI).

This step is especially helpful if:

• Your claim was ignored or repeatedly delayed
  
  
• You feel the adjuster acted unreasonably
  
  
• You were not given a chance to appeal properly
  
  

TDI often pressures insurers to re-evaluate claims when consumers file formal complaints.

Step 6: Call in Reinforcements—Public Adjusters or Legal Help

If you’re still not getting anywhere, consider hiring:

• A public adjuster, who represents you (not the insurer) to negotiate a better payout
  
  
• A roofing attorney, especially if you suspect bad faith or unfair practices
  
  

Both options can be worthwhile for high-value claims. Just be aware of fees and timelines involved.

Step 7: Consider Roofing Financing as a Backup Plan

Sometimes, even with strong evidence and effort, insurance denials don’t get overturned. If that’s the case, don’t put off critical repairs—delaying can lead to bigger problems and higher costs.

Ask us about financing options for roof repairs or full roof replacement.

💰 Explore solutions on our roof replacement page or contact us to discuss payment plans.

Your Next Step: Partner With Experts Who Know the Process

Fighting an insurance denial is tough alone—but with a proven partner, your chances improve dramatically. At K&M Roofing, we specialize in:

• Storm damage restoration
  
  
• Hail and wind damage claims
  
  
• Insurance claim assistance
  
  
• Free inspections
  
  

We’ve helped homeowners in Denton, Anna, Melissa, and beyond secure the coverage they deserve.

Don’t Let a Denial End the Conversation.

Get a second opinion from trusted pros. K&M Roofing and Construction is here to inspect your roof, guide you through the claims process, and help you protect your home.

👉 Schedule your free inspection now
📞 Or contact us with any questions

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