California Roof Insurance Claim Denied? Here is What to Do Next

Handling the Denial of a Homeowners Insurance Claim in California

There are many natural disasters that can cause damage to the roof of someone’s house. This damage can be expensive to repair, so most homeowners depend on their home insurance policy to cover the costs involved with such damage. Unfortunately, it is not unusual for a homeowner to have his insurance claim denied. This may be when a roof insurance claim denial lawyer can help.


Negligence. This is a common reason for a claim to be denied. It is possible a homeowner files a claim because their roof became damaged after a serious rain storm. For example, an appraiser determines the roof shingles were old and needed to be replaced a year earlier. The insurance company will deny the claim because they consider it to have been caused by negligence.

No Coverage. An insurance company may point out they believe a homeowner’s policy does not cover that type of roof damage and deny their claim.

Insufficient Coverage. It is possible a claim may only be approved up to a certain dollar amount. When this is reached, the homeowner is responsible for paying the rest of the costs involved with repairing the damage. It is important to know if an insurance policy has Actual Cash Value (ACV), which covers the cost to repair a home back to its condition when initially purchased. It could be covered with Replacement Cost Value (RCV). This will restore the house based on a home’s current value.

Late Claim. A homeowners insurance policy will state how soon a homeowner must file a claim after their house is damaged. When a person goes beyond this time, an insurance company will usually deny their claim.


Review Paperwork
When a homeowner has their roof insurance claim denied, it could have been the result of a mistake. A policyholder should review the claim they initially filed. It is important to discover if there are ways to improve the quality of evidence and more. Individuals who work at insurance companies are not perfect. After receiving a denial, it is important to ask the claims adjuster to review the paperwork again. It’s possible they didn’t ask for something they needed. Most insurance companies have an appeal process.

Independent Appraisal
In certain situations, a homeowner can benefit from hiring an independent appraiser. It’s possible the findings of an independent appraiser can provide enough leverage to reverse a claim denial. A homeowner will have to pay for this service, but it may be worth the money if the independent appraisal helps reverse a claim denial.

Department of Insurance
When a homeowner has their roof insurance claim denied, they may have no recourse but to file a complaint with the California Department of Insurance (DOI). This process can be slow as the DOI receives thousands of claims daily. It is also possible for a disputed claim to be sent to a mediator to try to resolve the issue.

Hire a Roof Insurance Claim Denial Attorney
Nareg Kitsinian and the roof insurance claim denial lawyers at the Kitsinian Law Firm are experienced in handling these types of cases. We may be able to obtain a result much faster than a claim filed with the DOI. We understand the system and what is required to reverse an insurance claim denial. If you have experienced severe roof damage but your insurance company has denied your claim, contact us today. We will listen to your situation and give you our honest opinion if we can help.