A SECOND LOOK
Roof claim denied or underpaid? Get a second look.
A denial isn't always the final word. Many denials come from missed or under-documented damage. Peak One Restorations offers a free re-inspection to help you understand what's on your roof and document what we find.
For homeowners in Logan, Union, Shelby, Wyandot and Auglaize counties whose storm-damage roof claim was denied or came back lower than the damage they see.
Common reasons claims get denied or underpaid
Wear and tear rather than storm damage
An insurer may identify aging or deterioration rather than damage from a covered storm. The cause of the damage matters under your policy.
Missed hail or wind damage
Damage on a roof slope or around roof components may not have been identified during the first inspection.
Incomplete photos or repair details
Photos may not show all affected areas, or the original scope may leave out parts of the repair needed for the damage.
An unclear damage date
If the timing of the damage is unclear, the insurer may need more information to connect it to a storm and the applicable policy period.
What Peak One does
A free re-inspection
We take a second look at your roof to identify storm damage and distinguish it from other roof conditions.
Photos and written documentation
We document the storm damage we find with photos and written findings you can share with your insurer.
A detailed repair scope
We describe the full repair needed for the damage we document, so you have a clear record of the work involved.
An adjuster re-inspection meeting
If you request a re-inspection from your insurer, we can meet the adjuster and explain our findings on-site.
What you do as the homeowner
Request a re-inspection or re-evaluation from your insurer in writing and share Peak One's photos, written findings and repair scope. Check your policy and claim letter for deadlines, and keep a copy of what you send.
Documentation, not claim representation
We document damage and meet your adjuster. We don't negotiate your claim for you. That stays between you and your insurer, or a licensed public adjuster.
What happens next
- 1
Call or send a request
Tell Peak One your roof claim was denied or underpaid and request a free re-inspection.
- 2
We re-inspect your roof
We check the roof and explain the damage and conditions we find.
- 3
You receive documentation
We provide photos, written findings and a detailed scope of the repair.
- 4
You send it to your insurer
Ask for a re-inspection or re-evaluation in writing and share our documentation.
- 5
Adjuster re-inspection
If your insurer arranges another inspection and you request our attendance, we meet the adjuster to explain the documented damage.
Denied or underpaid roof claim FAQs
Can a denied roof claim be reopened?
It may be possible, depending on your policy, the reason for the denial and your insurer's review process. Peak One Restorations can re-inspect your roof and document what we find. You can ask your insurer in writing to reconsider the claim and share that documentation. A second look does not guarantee a different decision.
How long do I have to ask for a re-inspection?
Check your policy and the denial or payment letter. Timelines vary by policy and insurer, so act soon and ask your insurer in writing which deadlines apply to your claim. Peak One Restorations does not set or extend those deadlines.
Does a re-inspection cost anything?
No. Peak One Restorations offers a free roof re-inspection for homeowners in Logan, Union, Shelby, Wyandot and Auglaize counties. Requesting a re-inspection does not guarantee coverage or a change to your claim.
Will you talk to my insurance company?
Peak One Restorations can meet your adjuster on a re-inspection if you request one and explain the damage we documented and the repair scope. We don't negotiate your claim for you. Claim decisions stay between you and your insurer, or a licensed public adjuster.
What if the second inspection agrees with the denial?
Peak One Restorations will explain what we found, including when the condition appears consistent with wear and tear rather than storm damage. We can discuss repair options without promising insurance coverage. Your insurer makes the coverage decision.
Request a free re-inspection
Tell Peak One Restorations your claim was denied or underpaid. We'll take a second look and explain what we find, without promising a different claim outcome.
Read our roof insurance claims guide or explore re-inspection help in your county: