Avoid the Common Pitfalls That Could Cost You Thousands
Getting your roof damaged by a storm is stressful—but getting your insurance claim denied? That’s even worse.
Unfortunately, it happens more often than you’d think. At Watertight Roofing, we’ve helped countless Nebraska and Iowa homeowners turn denials around by identifying what went wrong—and doing things the right way from the start.
If you’ve had a claim denied (or want to avoid it altogether), here’s what you need to know—and how we can help.
❌ Common Reasons Roof Claims Get Denied
1. The Damage Wasn’t Reported in Time
Most policies require you to file a claim within a specific time frame—often within 6 to 12 months of the storm. Waiting too long is one of the top reasons claims are denied.
2. The Insurance Company Says It’s “Wear and Tear”
Insurance only covers sudden, accidental damage—like hail or wind—not general aging. If your roof is older, they may claim the damage isn’t storm-related (even when it is).
3. Lack of Documentation
If there aren’t clear photos, inspection notes, or proof that the damage came from a recent storm, the insurance adjuster may not approve your claim.
4. Missing or Incomplete Inspection
Some homeowners skip the professional inspection and rely solely on the adjuster’s evaluation. But if the adjuster misses something or mislabels damage, your claim could fall short—or be denied altogether.
5. Wrong Roofing Contractor or “Storm Chasers”
Working with an unlicensed or out-of-state contractor can hurt your claim. If the insurance company doesn’t trust the estimate or documentation, they may deny the payout or refuse to cover poor workmanship.
🛠️ How We Help Turn Denials Into Approvals
At Watertight Roofing, we know the ins and outs of the claims process—and we fight for our customers. Here’s what we do if your claim’s been denied (or if you want to avoid that in the first place):
✅ Step 1: Free Roof Re-Inspection
We’ll take a fresh look at your roof and document any damage your adjuster may have missed.
✅ Step 2: Complete Photo Evidence & Written Report
We gather detailed images, mark hail strikes, identify wind damage, and put it all into a clear, professional report to resubmit to your provider.
✅ Step 3: Work Directly With Your Insurance
We’ll contact your insurance company, explain the new findings, and work with your adjuster to reopen the claim or submit a supplemental claim.
✅ Step 4: Advocate for Full Coverage
We don’t just patch things up—we push for a complete repair or full replacement when it’s needed, based on accurate damage assessments and local code requirements.
🧾 Your Claim Isn’t Always Final—Let’s Take Another Look
Denied doesn’t mean done. If your insurance provider didn’t get the full picture the first time, we can help fix that.
📞 Call us at 402-870-0255 or book a free inspection here
Let us take another look and make sure your claim—and your roof—are Done Right. Done Tight.