Denied claims / Flat or commercial
Flat roofs get denied more than any other roof type. Hail damage on TPO, EPDM and modified bitumen often doesn't show on the surface. It's in the insulation board underneath, and you only find it if you know how to look.
These are the denial reasons we see most on low-slope commercial roofs, and what we do about each one.
Hail marks on the membrane get called cosmetic. The adjuster sees a roof that isn't leaking yet and calls it fine.
What we do: We cut test samples and show the crushed insulation board and fractured facer under the impact. That's functional damage, and it leads to leaks and failed seams later.
The insurer blames standing water, old seams or skipped maintenance instead of the storm.
What we do: We separate storm damage from maintenance items in the report, so a few old issues don't sink the whole claim. Maintenance records help here, so pull them.
The adjuster tested a few spots and decided there are too few hits, or that the roof can be patched.
What we do: We test the whole roof, grid by grid, with hail gauges and photos. Core samples and moisture surveys show how far the damage spreads.
On big buildings with several roof sections, the insurer says the damage came from an older storm or another cause.
What we do: We tie the damage to the storm date with weather data and the condition of each impact. On large losses, engineers may be involved, and your policy may allow appraisal.
Photos from our own inspections. This is the kind of documentation that supports a re-inspection. Results vary; no claim outcome is guaranteed.
Watch our team cut into a TPO membrane to show the crushed insulation board underneath.
A denial letter is the insurer's first answer, not always the final one.
Text a photo of the letter and your roof, or upload them on our contact form. We'll tell you what we see and what your options are.
We go over the whole roof and build a report with photos, measurements and weather data that ties the damage to the storm.
Depending on your policy, your options may include a re-inspection with the adjuster, a supplement, or the appraisal clause. We inspect, document and write the repair scope, and meet the adjuster on the construction scope. SkyView Restoration Group is not a public adjuster or law firm. You may hire any licensed public adjuster or attorney, or none.
Send it to us with a few photos of your roof. A real person on our team will look it over and tell you where you stand. Asking is free. If you later sign a Project Agreement, its fee and cancellation terms are at SkyViewRestore.com/terms.
