Roof Insurance Claim Denied? What to Do Next

A denial is not always the last word. Here are the steps homeowners in Ohio and North Carolina can take.

Step by step

1. Read the denial letter. In Ohio, Ohio Adm. Code 3901-1-54 says an insurer may not deny a claim on a specific policy provision, condition or exclusion unless the denial references it.
2. Get your full policy and read the cited provision.
3. Get an independent inspection. We inspect free and photograph what we find.
4. Ask for a re-inspection with new photos or documentation.
5. Consider appraisal if you agree damage is covered but disagree on the amount. North Carolina’s standard policy provisions in N.C. Gen. Stat. § 58-44-16 include appraisal; check your policy.
6. Contact your state insurance department: the Ohio Department of Insurance roof insurance guide or the N.C. Department of Insurance homeowners insurance page.
7. Watch deadlines. Your policy sets the time to sue; in NC the standard provisions say within three years after the loss.

What we can and cannot do

We document roof damage with photos and work with any insurance adjuster. We do not negotiate claims as a public adjuster or give legal advice, and we will not promise an outcome. Your policy and adjuster decide coverage.

About Roof Revivers

Since 2012, Owens Corning Platinum Preferred, BBB A+. Call our Columbus branch at (614) 626-0387 or our Raleigh branch at (919) 794-5754.

This is general information, not legal advice. Your policy and adjuster decide coverage.

Questions we hear

What should I do if my roof claim is denied?

Read the denial and the policy provision it cites, get an independent inspection, ask for a re-inspection with documentation, consider appraisal for amount disputes, and contact your state insurance department if needed.

Does the insurer have to tell me why?

In Ohio, Ohio Adm. Code 3901-1-54 says a denial based on a specific policy provision must reference that provision.

Can Roof Revivers help after a denial?

We provide a free inspection and photo documentation and work with any insurance adjuster. We do not give legal advice or promise outcomes; your policy and adjuster decide coverage.

Who regulates insurers?

The Ohio Department of Insurance in Ohio and the North Carolina Department of Insurance in North Carolina.