Ylla Gosney, Attorneys at Law guides homeowners through the process when they need to file a claim with their homeowners insurance policy. In Oklahoma City, this often comes up when there’s damage to your roof. Unfortunately, many insurance companies try to deny or undervalue your claim. If that happens, we can help. Contact us today for a free consultation to learn more.
Why Would You Need a Lawyer?
Dealing with roof damage is stressful, and fighting your insurance company makes it even worse. Many homeowners in Oklahoma City see their claims denied or paid out for less than they should be. Insurance companies might blame wear and tear, pre-existing damage, or poor maintenance—leaving you stuck with the costs.
You can file a claim yourself, but having our legal team on your side helps ensure you get treated fairly. If your claim was denied or undervalued, here’s how we can help:
- Claim review – We’ll check your policy and claim to find out why the payout was too low or denied. We also look for errors or unfair reasons your insurer might be using.
- Gathering evidence – If your claim was denied, we’ll gather strong evidence–like expert damage reports–to prove your roof should be covered.
- Negotiation – Insurance companies often lowball settlements. We push back to get the full amount you deserve.
- Taking further action – If your insurance company refuses to play fair, we’ll explain your legal options and fight for you in court if necessary.
You don’t have to take on your insurance company alone. If they’re not paying what you’re owed, we’re here to help. But remember, every claim is different. That’s why it’s important to be able to recognize how your insurance company might deny or undervalue your claim.
How Does a Homeowners Insurance Company Deny or Undervalue Roofing Damage in Oklahoma City?
The reason for a homeowners insurance company denying or undervaluing a claim for roof damage is pretty simple: they’re trying to save money. But the way they do it changes from claim to claim. Most of the time, though, they’re probably going to say that your roof damage doesn’t meet the standard for a viable claim by saying the damage is from:
- Wear and tear – Companies often argue that your roof damage is due to aging or lack of maintenance rather than a covered event like a storm. If they classify it as normal wear and tear, they won’t pay for repairs or replacement.
- Pre-existing problems – They might claim your roof was already damaged before the event you’re filing a claim for. Without strong evidence proving the damage was new, they may deny your claim.
- Poor installation or repairs – If they believe your roof wasn’t installed correctly or was repaired improperly, they might refuse to cover the damage, arguing it resulted from faulty workmanship rather than a covered peril.
Even if they approve your claim, insurers may underestimate the cost of repairs or push you to:
- Use their preferred contractors, who often provide lower estimates that may not fully restore your roof.
- Give up or accept a low settlement out of frustration.
- Accept a lower payment–or nothing–by saying that the damage is cosmetic and not structural.
If your roofing damage claim is denied or undervalued, you don’t have to accept it. However, you need to know what you can do and how you can put together a strong claim.
What to Know If You Must File a Hail Damage Claim
How Can You Challenge Your Insurance Company’s Decision on Roofing Damage?
Having your roof damage claim denied or undervalued is frustrating. On top of dealing with costly repairs, you’re now left fighting for the payment you rightfully deserve. But you don’t have to accept their decision without a fight. Here’s how you can push back:
- Gather as much evidence as you can – If your insurer claims you didn’t provide enough proof, collect additional photos, contractor repair estimates, and even expert opinions from roofing specialists. The stronger your evidence, the harder it is for them to deny your claim.
- Formally appeal the decision – You can also do a written appeal explaining why their decision was wrong. Include all supporting documents and reference your policy’s specific coverage details to back up your case.
- Negotiate with them directly – Sometimes, discussing your claim with a higher-up at the insurance company can lead to a better outcome. Be ready to present your evidence and stand firm on why you deserve a fair payout.
The right response after a denied or undervalued claim can make all the difference. Start by gathering the right information, then reach out to our legal team for guidance and support.
Can I Prevent My Roofing Damage Claim from Being Denied or Undervalued?
Insurance companies always look for reasons to pay you less–or not at all–for a roofing damage claim. But taking the right steps from the start can help protect your claim and maximize your payout:
- Report the damage immediately – As soon as you notice roof damage, file a claim. Most policies have deadlines, and acting quickly shows you’re serious about your claim.
- Document everything – Take clear photos and videos from multiple angles. Keep records of repair estimates, receipts, and all communication with contractors. The more proof you have, the harder it is for the insurance company to downplay your claim.
- Know your policy – It sounds simple, but understanding what your policy covers (and what it doesn’t) helps you avoid mistakes. If you’re unsure about the details, our legal team can review it with you.
- Be honest – Double-check dates, descriptions, and any other details when filing your claim. Even small mistakes can delay or hurt your payout.
- Prevent further damage – Prevent further damage by covering leaks with a tarp or making temporary repairs. Insurance companies expect you to protect your home after a storm.
- Keep records of interactions – Log the date and time of all calls, emails, and letters from your insurance company. A detailed paper trail can help if you need to dispute their decision.
These steps can strengthen your claim, but ultimately, your insurance company has the final say. If they’re still undervaluing or denying your roofing damage claim, you don’t have to fight them alone.
Get Help for Your Denied or Undervalued Roofing Damage Claim in Oklahoma City
If your insurance company refuses to pay what you deserve for roof repairs, Ylla Gosney, Attorneys at Law is here to help. You pay for coverage, and you should get the protection you’re owed when there’s damage. Contact us today for a free consultation–we’ll review your case and fight to get you the payment you need.
