Denied claims / Shingle roof
Most shingle denials come down to one thing: the adjuster didn't see enough proof that the storm caused the damage. Hail bruises and wind-creased shingles are easy to miss from a ladder, and easy to write off as age.
These are the denial reasons we see most on asphalt shingle roofs, and what we do about each one.
The adjuster says granule loss, cracking or curling is from age, not the storm. On an older roof, this is the most common denial there is.
What we do: We photograph fresh hail bruises next to the old weathering. Storm damage has sharp edges and exposed mat. Age wear is even and gradual. Side by side, the difference is clear.
The adjuster walked the roof, chalked a few spots and found "not enough hits" per test square, or looked only from the ground.
What we do: We test every slope, mark each hit, and back it up with soft-metal dents on vents, gutters and AC fins, plus hail reports for your address and date.
No shingles blew off, so the claim gets denied. But a shingle that lifted and creased has lost its seal, even if it lay back down.
What we do: We lift-test shingles and document broken seal strips and creases at the nail line. A creased shingle can't be repaired, and many can't be matched either.
The insurer says the damage was there before the storm, or the claim missed the policy deadline.
What we do: We tie the damage to a specific storm date with weather data and the condition of the damage. Late claims aren't always dead either. Check your policy and your state's rules.
Photos from our own inspections. This is the kind of documentation that supports a re-inspection. Results vary; no claim outcome is guaranteed.
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.
