A homeowners insurance policy protects you from the costs of repairing a storm-damaged roof. Unfortunately, some roof claims are rejected or underpaid due to varying factors.  

Why Are Storm Damage Roof Claims Denied or Underpaid?

Here are the most common reasons why roof insurance claims are denied or underpaid.

Normal Wear and Tear

Roofing materials tend to have a diminished quality over time. Damage from natural wear and tear makes roofs more vulnerable during storms, which is why most insurance companies reject storm damage claims for old roofs. However, you can still get your claim approved if your roof’s maintenance is properly documented. Ask your insurance agent if it’s worth filing a roof claim with your maintenance documentation.

Previous Damage

Storm damage insurance policies only cover the last damage that occurred to your roof. Insurers will likely reject your claim if any previous roof damage was left unaddressed because it can be assumed that this previous damage weakened your roof and exacerbated the most recent damage. Furthermore, the insurance company may also deny your claim if you have no record of fixing the damage before the storm.

Minor Damage

Minor damage has a vague definition, so you must review your insurance policy’s inclusions and exclusions to know if you can file for a storm damage claim. Furthermore, seek the expertise of a professional, such as your insurance agent or insurance claims attorney, to help you interpret your policy’s terms and conditions.

Material Defects

Manufacturers are responsible for defective materials that exacerbated the recent storm damage. If your roof is under warranty, it’s best to call the contractors who installed it. They can inspect and identify the root cause of the roof damage and address the issue with your roofing.

Get your roof back into shape by hiring a reputable contractor for repairs or replacement. At Lankford Roofing & Construction LLC, you can expect first-rate services and workmanship. Call us at (903) 465-7677 (Texas) or (580) 920-1433 (Oklahoma). You may also fill out this contact form to request a quote.

Published On: October 11, 2022Categories: RoofingTags: , ,


903-465-7677 TX | 580-920-1433 OK



He was here on time, came out when he said he would, helped with our insurance. We were very satisfied with them. Their clean up was excellent and you couldn’t tell they had been here.

Stella T.

Lankford Roofing was very professional, friendly, and prompt! I highly recommend their services. Thank you Lankford Roofing!

Jeremy D.

Mike was the one that I dealt with and he was more than professional and helpful. I feel that he went out of his way to make sure we got what we needed.

Bill A.

Katie @ Lankford was very professional and very knowledgeable… Great job, great follow up.. Would definitely recommend them and use them on any future roofing needs!!!

Gene H.

I was astonished and delighted with their work and spend…and with their assistance with the insurance company. Yes I do recommend them.

Wayne J.

The Staff at Lankford Roofing met or exceeded my expectations in all respects. I would definitely retain their services again if needed in the future and highly recommend them to my friends.

Bob M.
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