A denied roof claim isn’t always the final word.
Most denials come down to documentation or scope, and a reason can be addressed. We re-inspect free, document the damage the way adjusters expect, and give you the evidence to ask your carrier to reconsider. We bring the evidence; you stay in control of the claim.
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Why was your claim denied?
Find the reason on your denial letter and tap it. We’ll tell you honestly whether it’s the kind of thing a re-inspection can address.
The original inspection didn’t fully capture or prove the extent of the damage, so the adjuster had little to approve.
A thorough re-inspection with full photo documentation gives your carrier something concrete to reconsider.
The adjuster attributed the damage to age and normal aging rather than a specific storm event.
Documentation that separates storm impact from ordinary wear can support a reconsideration, and that’s exactly what we photograph and write up.
Your carrier approved some of the damage but left other valid items off the scope of loss.
We review the approved scope line-by-line against a full inspection and flag items you can submit as a supplement.
The approved damage came in below your deductible, so nothing pays out even though a loss was found.
A re-inspection sometimes finds additional valid damage. But if the true loss really is under your deductible, a claim won’t pay, and we’ll tell you honestly.
The claim was reported after your policy’s window for reporting storm damage.
Reporting deadlines are set by your policy. Sometimes there’s room to act, often there isn’t. We document what we find and you can raise it with your carrier.
Your carrier determined the cause of damage isn’t covered under your policy.
Coverage is defined by your policy. Clear documentation can confirm the true cause, but exclusions are ultimately your carrier’s decision, not ours.
These are general explanations, not a verdict on your specific claim. A re-inspection is how you find out what your denial really rests on.
What to do next, in order.
A denial can feel final. It often isn’t. Here’s the calm, practical path forward.
The re-inspection is free. The claim stays yours.
We bring the evidence. You stay in control.
We’re a licensed roofing contractor, not a public adjuster. Being clear about that is how you know we’re straight with you.
The roofing & the evidence
- Re-inspect and document the damage thoroughly
- Provide a professional findings report with photos
- Meet your adjuster on a re-inspection
- Complete the repair if the claim is approved
The adjusting
- Negotiate or adjust your claim
- Act as a public adjuster or represent you
- Give legal advice on your policy
- Promise or guarantee a denial gets reversed
Being clear about the line between documenting damage and adjusting a claim is not a technicality. It’s how you know what we can actually do for you.
If a re-inspection isn’t enough.
We’ll be honest if documentation won’t move it. These are the routes that exist beyond us, so you always know where you stand.
The appraisal clause
Many policies include an appraisal clause, a built-in way to resolve a disagreement over the amount of loss using independent appraisers.
A state insurance complaint
If you believe the claim was handled unfairly, you can file a complaint with your state’s insurance department.
A licensed public adjuster
A public adjuster can represent you and negotiate the claim on your behalf. That’s a role we don’t play, but one you’re free to hire.
An insurance attorney
For a true coverage dispute, an attorney who handles insurance claims can advise you on your legal options.
Straight answers, from people who stay.
A denial is stressful enough without a storm-chaser overpromising a reversal. We’ve documented claims here since 1979, work with any carrier, tell you honestly what the evidence can and can’t do, and run every repair with our own crews. GAF Master Elite, FORTIFIED-trained, BBB A+, licensed in 24 states.
Simple, free, and no pressure.
Four steps from your denial letter to a clear answer, with no obligation at any point.
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Denied claims, answered.
Can a denied roof insurance claim be reversed?
Sometimes. A denial isn’t always the final word. Many denials come down to documentation or scope, which a thorough re-inspection can address. Whether a claim is reconsidered depends on your policy, the documented damage, deadlines, and your insurer’s decision. We document; we don’t promise or guarantee any outcome.
What’s the most common reason claims get denied?
Insufficient documentation is the most common. Others include damage classified as wear and tear, filing past the policy deadline, the loss coming in under the deductible, scope disagreements, and excluded causes or policy gaps.
Do you fight the insurance company for me?
No. Buckshot is a licensed contractor, not a public adjuster. We re-inspect and document the damage and meet your adjuster, but we don’t adjust, negotiate or represent you on the claim, and we’re not Iowa public adjusters (Iowa Code §522C). You stay in control of the claim.
What does a re-inspection cost?
Nothing. The re-inspection is free, works with any carrier, and comes with no obligation. If your claim is approved and we complete the repair, you pay only your deductible on a covered claim.
How long do I have to act after a denial?
It depends on your policy. Policies have time limits for reporting damage and disputing decisions, and waiting too long is itself a frequent reason claims get turned down. The sooner it’s re-inspected, the better your options.
Denied-claim re-inspections across southern Wisconsin.
Two offices - our Madison, WI headquarters and our Brodhead, WI office - serving homeowners across Dane & Milwaukee counties and into southern Iowa. Check your area →
Madison, WI Office
621 N Sherman Ave, Suite B5
Madison, WI 53704
Mon-Sat 8AM-5PM · 24/7 Storm Line
Brodhead, WI Office
17312 W Hafeman Rd
Brodhead, WI 53520
Mon-Sat 8AM-5PM · 24/7 Storm Line
Don’t take the denial as final.
Start with a free, no-obligation re-inspection, because a denial usually has a reason and documented evidence is how you address it. We bring the evidence and meet your adjuster; you keep control of the claim. On covered, approved claims you pay only your deductible.
- FREE RE-INSPECTION
- ANY CARRIER
- NO OBLIGATION
- WE DOCUMENT, YOU DECIDE
Claim denied?
Let’s take another look.
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