There are many reasons an insurance company will deny your claim today but not tomorrow. Your neighbors may have had an inferior shingle to yours and the damage needed to manifest over time because is not obvious today. As human beings we see things differently, 1 adjuster may turn you down and the next authorize a large loss. You are entitled to a second adjustment with a different adjuster. This second adjustment should be conducted with a professional roofer to point out the damage on your home.