Adjusters are human, and storm season moves fast. Damage gets missed, causes get misread, and quick inspections leave things out. Our team will take a look at everything and give you an honest answer on whether there's legitimate storm damage.
Where most people stop, and where you can keep going
A denial letter is the insurance company's opinion, based on one inspection on one day. It can be questioned, and it can be changed when better evidence shows up.
The Texas Department of Insurance tells homeowners who disagree with a claim decision to tell the company why and send supporting documentation, such as a contractor's estimate for the repairs. Most homeowners policies also include an appraisal clause, and every state lets you file a complaint if you believe you were treated unfairly.
The key is evidence. A second inspection that clearly documents storm damage, with photos, measurements and the date of the storm, gives the insurer something specific to look at again.
Most denials come down to a handful of reasons. Some are fair. Some don't hold up once someone takes a closer look.
The most common reason. Insurers often blame granule loss, cracking or curling on normal aging.
We checkWhether hits are random and fresh, with exposed mat and bruising, versus even, gradual wear.
The insurer says the damage came from an older storm or existed before your policy period.
We checkStorm dates, hail size reports for your address, and how fresh the marks look on metals and shingles.
Problems get blamed on poor workmanship or a manufacturing issue instead of wind or hail.
We checkHow the roof was built and whether the pattern of damage matches a storm or a defect.
Quick inspections miss things: soft metals, vents, gutters, siding, and anvil strikes on flat roofs that most people overlook.
We checkThe entire roofing system, test squares on every slope, and every component that can show hail.
The adjuster's estimate came in under your deductible, so nothing was paid.
We checkWhether the full scope of damage was counted. A missed slope or component can change the math.
Many policies require prompt notice. Some carriers use one or two years from the storm as a deadline.
We checkWhen the storm hit and what your policy says, so you know where you stand before more time passes.
Take these in order. Each one makes the next one stronger.
Ask for the denial and the reason in writing, plus a copy of the adjuster's estimate and photos if they have them. Find the exact policy language they're pointing to.
If there's a leak, stop it with a tarp or temporary repair so the damage doesn't get worse. Hold off on a full tear-off or permanent repairs until the damage is documented.
Have trained inspectors check the entire roof system and build a photo report. Our team does this for free, and we'll tell you honestly whether we believe there's legitimate storm damage.
Call your adjuster or claims line, ask to reopen the claim and request a reinspection, and send the new documentation. We can meet the adjuster at the property and walk the roof with them.
Write down the date of the storm, the date of the denial, and every call. Policies set time limits to report damage, request appraisal and file suit. Don't let them run out while you wait.
Appraisal, a complaint to your state's Department of Insurance, mediation, or talking with an insurance attorney. These are your decisions to make, and you don't have to make them alone.
SkyView Restoration Group brings 25+ years of hands-on roofing and insurance restoration experience. We take time to document storm damage the right way, so it can be proven to anyone who asks. And if it isn't there, we'll tell you that too.
A detailed photo report you can send with your reinspection request. We can meet the adjuster on the roof and show them exactly what we found.
We explain what we see, whether it's worth pursuing, and what to keep an eye on after the next storm.
If the denial was right, we'll say so. You get a Clearance Certificate to keep on file for your insurance and future storm claims.
Start with the first row. Most people never need to go past it when the damage is well documented.
| Option | What it is | Good to know |
|---|---|---|
| Reinspection | You ask the insurer to reopen the claim and send an adjuster back out to look again. | The fastest and least costly step. Bring new photos and a contractor's report. We can be there. |
| Appraisal | You and the insurer each hire an appraiser. If they can't agree, an umpire makes a binding decision. | Usually settles how much the loss is, not whether it's covered. You pay your appraiser and half the umpire. |
| State complaint | A complaint to your state's Department of Insurance if you think you were treated unfairly. | Free to file. In Texas, file with TDI. In Oklahoma, file with the Oklahoma Insurance Department. |
| Mediation | A neutral third party helps you and the insurer reach a settlement outside of court. | Some policies and programs require it before a lawsuit. |
| Legal counsel | An insurance attorney reviews whether the denial was wrongful or in bad faith. | Filing deadlines apply. Talk to an attorney about your rights in your state. |
Yes. Call your adjuster or the claims line, ask to reopen the claim, and request a reinspection. It helps to explain why you disagree and send new documentation, like a contractor's photo report.
Yes. Our job is an honest answer. If we don't find legitimate storm damage, we'll tell you, and you'll get a Clearance Certificate to keep on file for your insurance and future storms.
No. SkyView is not a public adjuster or law firm. We inspect, document and write the repair scope, and meet the adjuster on the construction scope. All construction is performed by licensed Approved Contractors. You may hire any licensed public adjuster or attorney, or none.
Not always. It depends on your policy and your state. Check your policy's time limits, write down the storm date and denial date, and get the roof looked at as soon as you can.
Do temporary repairs, like a tarp, to stop leaks and protect your home, and keep the receipts. Hold off on permanent repairs or a replacement until the damage has been documented and seen by the adjuster.
Yes. We inspect homes and businesses, including flat roofs, where hail anvil strikes are often overlooked.
The inspection and damage report are free. If you later sign a Project Agreement, its fee and cancellation terms are at SkyViewRestore.com/terms.
