Recently, I’ve been seeing some alarming trends in the insurance industry. One scenario, in particular, is becoming all too common: insurers issuing partial denials on interconnected systems, such as roofing, leaving homeowners in financial limbo.
The Partial Denial Tactic
Here’s how it often plays out. A homeowner experiences roof damage due to a storm, hail, or other covered peril. The insurance company sends out an adjuster who determines that only certain components of the roof require replacement. For instance, the adjuster may approve the cost of replacing flashing or a few shingles but deny coverage for the full roof replacement. Their reasoning? They claim that the damage is not widespread enough or that certain areas don’t meet the criteria for full replacement under their interpretation of the policy.
To make matters worse, the insurer typically issues a partial denial letter stating their findings and their rationale for limiting coverage. Then, they mark the claim as “closed.” But here’s where things get tricky.
What “Closed” Really Means
When an insurance company tells you your claim is “closed,” it’s easy to assume that’s the end of the road. However, in the world of insurance claims, “closed” often just means that no further action is being taken—unless new information is presented. Insurers have a duty to review additional evidence that may substantiate a claim, but they rarely explain this to policyholders.
So, many homeowners move on, unaware that they could still challenge the partial denial and push for a full roof replacement. But then, months later, something unexpected happens.
The Non-Renewal Trap
Fast forward two to six months after the claim was “closed.” The homeowner receives a letter from their insurer stating that their policy will not be renewed unless they replace the entire roof. That’s right—the same insurer that refused to pay for a full replacement is now requiring it as a condition for continued coverage.
At this point, the policyholder is stuck with a massive out-of-pocket expense that could have been covered had they pursued their claim more aggressively earlier on. And unfortunately, by the time they realize what’s happening, it’s often too late to reopen the claim through standard channels.
How to Protect Yourself from This Insurance Trap
This situation is becoming increasingly common, but homeowners do have options. Here’s what you can do to avoid being caught in this trap:
Don’t Accept a Partial Denial at Face Value – If your insurance company approves only part of your roof damage claim, consult a public adjuster immediately. A public adjuster works on your behalf, not the insurer’s, to properly document and prove your loss.
Know That a “Closed” Claim Isn’t Always Final – If your insurer tells you your claim is closed, understand that new evidence can reopen it. A public adjuster can help gather the necessary documentation to challenge the denial.
Act Before Non-Renewal Notices Arrive – If you’ve received a partial denial, don’t wait. If your insurer later demands a full roof replacement, you’ll be in a much weaker position. The earlier you act, the better your chances of securing the payout you deserve.
Understand Your Policy’s Coverage for Interconnected Systems – Roofs, siding, and other structural components often need full replacements when damaged, not just patchwork fixes. A public adjuster can help you argue for a fair settlement based on proper industry standards.
Don’t Get Left Holding the Bill
Insurance companies know what they’re doing. By denying full coverage now and later demanding full replacement for policy renewal, they shift the financial burden onto the homeowner. But you don’t have to fall into their trap.
If you’ve received a partial denial on your roof claim, don’t assume the insurer’s decision is final. A public adjuster can review your claim, gather additional evidence, and fight to get you the compensation you rightfully deserve.
Don’t wait until you’re facing a non-renewal notice and a hefty repair bill. Take action today—because your home, your finances, and your peace of mind are worth it.
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