What to Do If Your Insurance Company Denies Your Hail Damage Claim
Dealing with hail damage is stressful enough—but what happens if your insurance company denies your claim? Unfortunately, many homeowners face this frustrating scenario. Insurance companies may deny claims due to policy loopholes, lack of documentation, or even bad faith tactics.
The advantage for homeowners? DFW Storm Restoration is here to help. Follow this guide to understand your options and successfully appeal your denied hail damage claim.
Step 1: Understand Why Your Claim Was Denied
Before taking action, you need to know why your claim was rejected. Common reasons include:
- Pre-existing Damage – The insurer claims the damage wasn’t caused by the recent hailstorm.
- Wear and Tear – Your roof was deemed too old or poorly maintained.
- Lack of Evidence – Insufficient documentation of damage.
- Missed Deadlines – Filing past the claim deadline.
- Policy Exclusions – Certain policy limitations exclude hail damage.
What You Can Do:
- Request a written explanation of the denial.
- Review your policy documents to verify coverage details.
- Compare the adjuster’s report with a professional roof inspection.
Step 2: Get a Second Opinion from a Roofing Expert
Insurance adjusters work for the insurance company, not for you. They might miss or downplay hail damage to minimize the payout. That’s why getting a second opinion from a licensed roofing specialist is crucial.
How DFW Storm Restoration Helps:
✅ Conduct a free, thorough roof inspection. ✅ Provide detailed documentation & photos of hail damage. ✅ Advocate on your behalf during re-inspections.
Step 3: Request a Second Inspection and File Proper Documentation
A denied claim doesn’t have to be the final word. At DFW Storm Restoration, we handle the entire re-inspection request and appeal process for you. Here’s what we do:
- Request a Second Inspection – We file a formal request for another adjuster to reassess the damage.
- Submit Detailed Documentation – We compile professional roofing reports, photos, and evidence to strengthen your claim.
- Advocate on Your Behalf – Our team ensures the new inspection is thorough and fair, helping you get the coverage you deserve.
- Follow Up Until Resolved – We handle all communication with the insurance company to push your claim forward.
Step 4: Consider Hiring a Public Adjuster or Attorney
If your appeal is ignored or denied again, you may need to bring in legal help.
- Public Adjusters – Independent professionals who negotiate claims for homeowners.
- Attorneys Specializing in Insurance Disputes – If the insurer is acting in bad faith, legal action may be necessary.
Frequently Asked Questions (FAQs)
Can I still get my roof repaired if my claim is denied?
Yes! Even if your claim is denied, you can explore financing options or negotiate an out-of-pocket rate with DFW Storm Restoration.
What if my insurance company says the damage isn’t “severe enough” to warrant a claim?
Many insurers downplay damage. A second opinion from a trusted roofer can help challenge their decision.
How long do I have to appeal a denied hail damage claim?
Each insurance company has different timelines, but appeals typically need to be filed within 30-60 days of the denial.
Why is having a roofer present during an inspection important?
Insurance adjusters might miss or ignore damage. Having a roofer ensures all hail-related issues are properly documented.
Why Homeowners Trust DFW Storm Restoration
✔ Free, No-Obligation Roof Inspections
✔ Expert Assistance in Filing Insurance Appeals
✔ We Advocate for Homeowners During Re-Inspections
✔ Fast, Reliable Roof Repairs & Replacements
✔ A Hassle-Free Process That Works for You
Take Action Today—Don’t Let a Denied Claim Cost You Thousands!
If your hail damage claim was denied, don’t accept it without a fight. DFW Storm Restoration specializes in helping homeowners appeal insurance denials and get the coverage they deserve.
📞 Call us today at 972-897-8031 or visit www.dfwstormrestoration.com to schedule your free inspection. Let us help you win your claim and restore your roof the right way!