Occasionally an insurance company will initially deny a claim. This can deter homeowners from pursuing the claim further. We would not recommend filing a claim unless we thought there was validity to the claim. We often have to provide evidence to substantiate the claim even after the insurance company initially denies the claim. Insurance adjusters are often also unfamiliar with local building codes and deny the claim based on being uninformed. So if you get an initial denial, please let us know and give us the opportunity to continue to fight for you.