Roof Insurance Claim Denied - What to do next?

Nov 4, 2018

Dealing with a denied roof insurance claim can be a frustrating and overwhelming experience. As a homeowner, you rely on your insurance policy to protect you in times of unexpected damage to your property, including your roof. However, receiving a denial letter from your insurance company can leave you wondering what steps to take next. Fortunately, Bio-One Atlanta is here to help you navigate through this challenging situation.

Understanding the Reasons for Denial

Before taking any action, it's important to understand why your roof insurance claim was denied. Insurance companies may decline claims for various reasons, such as:

  • Insufficient evidence of damage
  • Pre-existing condition
  • Lack of regular maintenance
  • Policy exclusions

By carefully reviewing the denial letter or contacting your insurance company, you can gain insight into the specific reasons behind their decision. This knowledge will help you formulate a plan to move forward.

Documenting the Damage

If you believe your roof has suffered legitimate damage, it's crucial to gather evidence to support your claim. Documentation is key in proving your case to the insurance company. Here's what you can do:

  1. Take clear and detailed photographs of the damage from multiple angles.
  2. Keep any receipts or invoices related to roof repairs or maintenance.
  3. Obtain professional assessments or reports from licensed roofing contractors.
  4. Maintain a written record of all communication with your insurance company.

Presenting these pieces of evidence can strengthen your case and increase the chances of a successful appeal or reconsideration of your claim.

Consulting with a Roofing Expert

When faced with a denied roof insurance claim, seeking professional advice is invaluable. Bio-One Atlanta, a trusted provider of cleaning services, also offers expertise in dealing with insurance-related matters. Our team of professionals can assess the damage, provide expert opinions, and assist you in navigating the claims process.

Our experienced roofers can identify any hidden or structural issues that may have been overlooked, ensuring you have a comprehensive understanding of the damage and the necessary repairs. Being well-informed about your roof's condition can strengthen your case when discussing the denial with your insurance company.

Appealing the Denial

In many cases, appealing a denied roof insurance claim can lead to a reversal of the decision or a more favorable settlement. It's essential to follow the proper procedures and guidelines set by your insurance company. Here are some steps to consider:

  1. Review your insurance policy to understand the appeals process and any time constraints.
  2. Write a formal letter of appeal, providing a clear and concise explanation of why you believe the denial was unwarranted.
  3. Incorporate the documentation and evidence gathered, reinforcing your argument.
  4. Submit the appeal to your insurance company, making sure to keep copies for your records.
  5. Follow up with your insurance company regularly to check on the progress of your appeal.

Having a professional cleaning service like Bio-One Atlanta by your side throughout the appeals process can give you peace of mind and ensure that your case is effectively presented.

Exploring Other Options

If your appeal is unsuccessful or your roof insurance claim remains denied, there are still alternative options available to address the damage. Bio-One Atlanta offers a range of cleaning services that can help restore your property and mitigate further problems caused by a compromised roof.

Our dedicated team of experts specializes in cleaning and disinfection, ensuring a safe and healthy environment for you and your family. By investing in our services, you can focus on moving forward while we take care of the aftermath of your denied insurance claim.


Dealing with a denied roof insurance claim can be a complex and challenging process. However, with the assistance of Bio-One Atlanta, you can navigate through the necessary steps to seek resolution. Our professional cleaning services and expert advice can help you address the damage to your roof and restore your peace of mind.

Contact Bio-One Atlanta today to discuss your situation and find out how we can assist you in dealing with a denied insurance claim. Don't let a denied claim hold you back from restoring your home and moving forward.