Since roof damage is expensive, many insurance adjusters will look for ways to deny a claim. It’s crucial to understand your homeowner’s insurance policy, its limitations, and what your insurer could refuse to cover. There are many reasons why your claim might be denied, including:
Your roof is extremely old. Companies reduce liability based on the roof’s age.
Your roof is deficient. Your insurance may deny your claim if your roof already needs other necessary repairs.
Your insurance may not cover certain materials.
If the claim is cosmetic and not structural, your claim will be denied.
Knowing the limits of your insurance policy will help reduce the chances that your claim will be denied.