When your roof takes a hit from hail, wind, or falling branches in the Chicago area, filing an insurance claim might seem like a no-brainer. But here’s the frustrating truth: insurance companies deny thousands of roofing claims every year—often for reasons that could have been prevented. Anyone with a Chicago roof considering an insurance claim should know these common pitfalls.
Below are the top 10 reasons Chicago roof insurance claims get denied, plus actionable tips to help you dodge the pitfalls and get the payout you deserve.
1. Lack of Proper Documentation
Insurance adjusters love documentation. If you don’t have photos, inspection reports, or written estimates, they may have grounds to say, “Nope.” To make sure your Chicago insurance claim for the roof is processed smoothly, keep documents well organized.
How to Avoid It: Snap clear, timestamped photos before and after the damage. Keep digital records of all inspections, estimates, and contractor conversations. If it’s not documented, it didn’t happen (in the eyes of your insurer).
2. Damage Is Deemed Normal Wear and Tear
Translation: “Your roof is just old.” Insurers don’t usually cover damage that comes from age or neglect, so many Chicago roof insurance claim attempts fail here.
How to Avoid It: Stay ahead of the game with regular inspections and maintenance. This shows that your roof was in good shape before the event.
3. Failure to File the Claim on Time
Insurance companies have deadlines, and missing them is a fast track to a denied claim. To avoid hassle on your roof insurance claim in Chicago, be prompt.
How to Avoid It: Know your policy’s timeline and act fast. File promptly after any storm or damage. If you’re feeling uncertain, contact us for a free policy review.
4. Pre-Existing Damage
If your roof was already damaged before the storm, the insurer won’t pay twice, which can complicate the Chicago insurance claim process for your roof.
How to Avoid It: Get a professional inspection before signing a policy. This creates a clear “before” picture in case you need to file a claim later.
5. Policy Exclusions
Not all damage is covered. For example, floods, earthquakes, and mold often require special coverage. This is a common oversight during the Chicago roof insurance claim process.
How to Avoid It: Read your policy (yes, really). If needed, add extra coverage for risks specific to your area.
6. Insufficient Coverage
Your policy might not fully cover a roof replacement, especially if building codes have changed since it was installed. This often leads to denied Chicago insurance claims for roofs.
How to Avoid It: Review and update your policy regularly. Ask about ordinance or law coverage, which covers upgrades required by updated codes.
7. Neglecting to Mitigate Damage
Insurance expects you to take steps to prevent more damage after the initial incident. In Chicago, roof insurance claim outcomes can depend heavily on the steps you take after damage occurs.
How to Avoid It: Cover the affected area ASAP with a tarp or temporary patch. Save receipts and take photos to prove you acted quickly.
8. Disputes Over the Cause of Damage
Insurers may claim the damage wasn’t caused by a covered event, but by poor installation or other issues. In these cases, a Chicago roof insurance claim may require extra evidence.
How to Avoid It: Bring in a licensed roofing contractor or public adjuster who can assess the damage and fight for your case.
9. Incomplete or Incorrect Paperwork
Something as simple as a missing form or typo can delay or derail your claim. Double-checking paperwork is crucial when it comes to any Chicago roof insurance claim process.
How to Avoid It: Double-check everything. When in doubt, ask your adjuster or let us help walk you through it.
10. Unlicensed or Unauthorized Repairs
Making repairs before the insurer inspects the damage or hiring unlicensed contractors can void your claim. Rushing this can have negative effects on your Chicago roofing insurance claim.
How to Avoid It: Hold off on major repairs until your insurance company gives the green light. Only hire licensed, insured professionals.
Final Thoughts: Don’t Let a Denial Derail Yo
Roof damage is stressful enough—don’t let an insurance denial make it worse. However, with smart prep, solid documentation, and trusted professionals on your side, you can dramatically improve your chances of a successful Chicago roof insurance claim.
Need help filing a roofing insurance claim in the Chicago area?
Call Make It Happen Roofing today at 708-416-8098 or schedule a free inspection. Our team of roofing pros and public adjusters will guide you every step of the way.
