Roof Insurance Claim Denied? What to Do Next (Texas Guide)

A denied or lowballed roof claim isn't the end of the road. In Texas, homeowners successfully appeal and recover coverage all the time — but only when they know the process. Here's what to do.

1. Get the Denial in Writing

Ask the insurer for the specific reason in writing. The reason dictates your next move — "wear and tear" is appealed differently than "storm damage not covered."

2. Get a Second, Independent Inspection

Adjusters miss damage routinely, especially hidden decking damage. A free RAPTOR inspection documents the damage with the specificity an appeal needs.

3. Request a Re-Inspection

Most policies allow you to request a second adjuster or an independent appraisal. Cite the new documentation and be specific.

4. File a Supplement

A supplement corrects the adjuster's estimate with the line items they missed. This is the step most homeowners never take.

5. Know Your Texas Rights

Texas has consumer protections for insurance claims. If you believe the denial was improper, you can file a complaint with the Texas Department of Insurance.

RAPTOR ROOFING works denied and lowballed claims every week. Call (817) 561-6500 and we'll walk you through it.

RAPTOR ROOFING Team

RAPTOR ROOFING is a Dallas / Fort Worth roofing company owned and operated by IFR Foundation Repair, which has served DFW homeowners and businesses for over 25 years. We provide roof replacement, repair, storm restoration, and insurance claim support — with free, no-obligation inspections.