Home insurance claims

Reasons an insurer might deny your replacement roof claim

Insurance companies typically only replace roofs if a natural or man-made accidental event caused severe damage. Insurers deny claims for the following reasons:

  • The damage is from deterioration related to natural aging and wear-and-tear.
  • You failed to provide proof that you appropriately maintained your roof every year via inspections and repairs.
  • You didn’t inform your insurer of D-I-Y updates or repairs that you performed before you submitted the claim.
  • The replacement estimate is too high because you didn’t invest in enough insurance coverage.

At Affordable Insurance, we always try to make certain that our Aurora clients understand the steps that they need to take to guarantee that we won’t have to deny their claims if roof replacement becomes necessary. For more information, contact us today.

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