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Roof claim denied? Get a second look, free.
A denial is the insurance company's decision about the evidence in your file, and files miss things. I am Daniel Ali, a licensed and insured roofing contractor in Plano. I will re-inspect your roof free, photograph every hit, and tell you straight whether the damage is there. Your insurer still makes the coverage decision, but now you are talking with evidence.
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Denied roof claims
My roof insurance claim was denied. What can I do?
Get the denial in writing, get a second roof inspection with dated photos, and ask your insurance company to re-inspect with your roofer on the roof. If the evidence shows storm damage the first inspection missed, you have grounds to ask them to reconsider, and Texas gives you further options like appraisal and a complaint to the Texas Department of Insurance. Nobody can promise a denial will be reversed, and anyone who does is selling you something. What I can do is make sure the decision is made on complete evidence.
Why was my roof claim denied?
The denial letter has to tell you. In North Texas the usual reasons are that the adjuster called the damage wear and tear, priced the repair under your deductible, decided the claim was reported too late, applied a cosmetic damage exclusion, or did not count enough hail hits on a slope. Some of those are about your policy. Many are about what the adjuster did or did not see on the roof, and that part can be checked. The full breakdown is in my guide to what to do after a roof claim denial.
Can I get my roof claim reconsidered?
You can ask. Request the adjuster's report, photos and estimate, then ask your insurer for a re-inspection and give them any new evidence. You are allowed to have your roofer there when the adjuster comes back, and that meeting is where most disagreements get settled, because both of you are looking at the same shingles at the same time. Whether the insurer changes its decision is up to the insurer. Your job is to make sure it is not deciding on half the picture.
What if the insurance inspection missed damage?
It happens. A quick inspection might skip a steep slope, never look at the soft metals, or stop at the gutters. When I inspect after a denial I walk every slope I can safely walk, check the vents, flashing, ridge and gutters for dents, look in the attic for water, and mark and photograph each hit with a scale reference so the photos mean something to someone who was not there. You keep that photo report whether or not you ever hire me.
Insurance approved some damage but denied my roof
A partial approval usually means the insurer agreed to pay for some items, like gutters, a few shingles or one slope, but not a full replacement. If the approved repair cannot actually be done right, for example because patched shingles will not match or the damage runs across more of the roof than the estimate shows, that is worth documenting and raising with your adjuster. I will show you honestly whether the approved scope fixes your roof or leaves you with a problem.
Does hail damage qualify for a roof claim?
Sudden damage from hail or wind is the kind of loss most Texas homeowner policies are written to cover, but every policy is different. Age related wear is usually excluded, some policies exclude cosmetic dents on metal roofs, and many now set a deadline of about one year from the storm date to file. Your policy and your insurer decide coverage. My inspection answers the question underneath it: is the damage real, and when did it happen. If you are not sure you even have hail damage, start with the signs of hail damage.
Can a roofing company help me with an insurance claim?
Yes, within limits set by Texas law. A roofer can inspect, document the damage, write a detailed scope, and meet your adjuster on the roof. A roofer cannot negotiate your claim for you or act as your public adjuster, and cannot pay, waive or rebate your deductible. If a dispute needs a negotiator, that is the job of a licensed public adjuster or an attorney, and I will tell you if your situation looks like it needs one.
What it costs you to find out
- The second inspection: free.
- The dated photo report: free, and yours to keep.
- My honest opinion on whether you have a case: free.
Do I have to pay for my roof if insurance denied the claim?
A denial does not commit you to anything. If the denial stands, you decide what happens next: fix only what actually needs fixing, get a straight out of pocket quote from me, or do nothing for now if the roof is sound. If a claim is approved, the insurer pays for the covered work and your share is your deductible. Texas law requires you to pay that yourself, so be careful with anyone promising a free roof or zero out of pocket on an insurance job. I will not make that promise, because it is not legal to keep it.
How it works with me
- Call or text me, or book below. Have your denial letter and the adjuster's report handy if you have them.
- I inspect the roof free, usually within a day or two, and walk you through what I find.
- You get a dated photo report showing each hit and the areas the first inspection may have missed.
- If the evidence is there, you ask your insurer for a re-inspection and I meet the adjuster on the roof.
- If the evidence is not there, I tell you that too, and you have saved yourself a fight you could not win.
Read the full guide on appealing a denied roof claim in Texas, see how a Texas roof claim works step by step, or learn how I handle roof insurance claims and storm and hail damage. Every visit starts with a free roof inspection.
Denied claim help across Dallas, Plano, Frisco, McKinney, Prosper, Allen, Celina, Little Elm and Fort Worth.
Common questions
Straight answers
Anything else, ask me directly. You will get me, not a phone tree.
Can a roofer inspect my roof after a claim is denied?
Yes. A second inspection after a denial is one of the most useful things you can do, because it tells you whether the damage the insurer said was not there actually is. With Infinite Roofing it is free and you keep the photo report.
Can I request another inspection from my insurance company?
Yes. Ask your insurer in writing for a re-inspection and send any new evidence, like a dated photo report. You can have your roofer present when the adjuster comes back out.
How do I document roof damage for an insurance claim?
Take dated photos of the roof from the ground, the gutters and downspouts, any dents in vents or metal, and any interior stains or leaks. A roofer can add close up photos of each hit with a scale reference, which is much harder for anyone to dismiss.
Is there a deadline after a roof claim is denied?
A denial does not stop the clock on your policy. Many Texas policies require storm claims within about one year of the date of loss, and appraisal can have its own deadline, so check your policy and act the week you get the letter.
Can you guarantee my claim will be approved?
No, and be wary of anyone who does. The insurance company makes the coverage decision. What I guarantee is an honest inspection, clear photos, and a straight answer about whether the damage is there.
Will you pay or waive my deductible?
No. Texas law prohibits contractors from paying, waiving or rebating an insurance deductible, and it prohibits advertising that too. If a roofer offers, walk away.
Denied? Get the second look this week
Free inspection, dated photo report, straight answer. If the damage is not there, I will tell you that too.
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