If your insurance company denied your roof replacement claim after a storm, you’re not alone. Across Georgia and the Southeast, homeowners are facing more claim denials than ever before.

Why Are Insurance Companies Denying More Roof Claims?

Over the last decade, extreme weather has become more frequent and more damaging. Insurance companies have paid out record levels of claims, which has negatively impacted their financial performance. As a result, many carriers are now taking a tougher stance with customers.

Unfortunately, it has become common practice for insurance companies to deny legitimate roof damage claims after storms. In some cases, the hope is that the homeowner will drop the claim rather than fight back—saving the insurer money. The risk for homeowners is that if the storm date expires (typically after one or two years), they lose their right to file a claim altogether.

That’s a tough position to be in, especially when your home’s roof is your first line of defense against the elements.

What Can You Do If Your Claim Is Denied?

If your roof claim has been denied, the best step you can take is to partner with an experienced roofing company that understands the insurance process.

At Dr. Roof, we have been helping homeowners navigate storm damaged roof replacements for over 35 years. Our team knows exactly what it takes to document roof damage properly, meet with adjusters, and support you so that your roof can be restored to its pre-storm condition.

Having an expert on your side levels the playing field and gives you the best chance at overturning a denial.

Why Choose Dr. Roof?

  • Proven Experience – Since 1988, we’ve worked with thousands of homeowners and their insurance carriers.

  • Trusted Advocacy – We know how to provide the evidence insurers need to approve legitimate claims.

  • Full Service – Once your claim is approved, we replace your roof with the highest quality materials.

  • Best Warranties – We offer some of the strongest warranties in the industry, giving you peace of mind that your home is protected long after installation.

Don’t Let a Denial Be the Final Answer

A denied claim does not mean the end of the road. With the right roofing partner, you still have options. Dr. Roof can be there for you as you go through the process and ensure your home gets the protection it deserves.

Contact us today for a free roof inspection and consultation.

Frequently Asked Questions About Denied Roof Claims

Can I appeal a denied roof insurance claim?

Yes. Most insurance carriers allow homeowners to appeal a denial, but the process can be complex. Partnering with an experienced roofer like Dr. Roof can make all the difference in gathering documentation and evidence from your roof, meeting with adjusters, and helping you present your case effectively.

How long do I have to file a storm damage claim?

In most cases, homeowners have 1–2 years from the storm date to file or reopen a claim. Once that window closes, you cannot submit a claim for that storm event. That’s why acting quickly is so important.

Why would my roof claim be denied if the damage is real?

Insurance companies may argue that the damage is due to age, lack of maintenance, or pre-existing issues rather than storm impact. Having a professional roofing inspection helps prove the difference between normal wear and storm-related damage.

Should I hire a roofer or a public adjuster after a denial?

Both can help, but starting with a trusted roofer who understands insurance claims is often the fastest way to get results. Dr. Roof provides detailed inspection reports, photo evidence, and expert communication.

What happens after my claim is approved?

Once your claim is approved, Dr. Roof handles the entire roof replacement process—from removing your old roof to installing a new, warrantied system that protects your home for decades to come.


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