Homeownership brings both pride and responsibilities. One of the most significant challenges homeowners in Columbia, Maryland face is dealing with roof damage and subsequent insurance claims. The process can be daunting, especially when your claim is denied. Thankfully, the experts at Kanga Roof are here to help you navigate this intricate landscape. Let’s delve deep into understanding roof damage claim denials and how you can navigate them successfully.

Understanding the Basics of Roof Damage

Roof damage can stem from multiple sources:

  • Natural disasters: Hurricanes, tornadoes, and heavy storms can cause severe structural damage.
  • Regular wear and tear: Over time, shingles may fall off, and underlayment may deteriorate. Proper maintenance and timely roof repair, especially in places like Columbia MD, are vital.
  • Improper installation: Utilizing services from recognized roofing companies in Columbia MD, like Kanga Roof, ensures that such issues are kept at bay.

Understanding the source of your damage is crucial, as it determines the nature of your claim.

Why Do Insurance Companies Deny Roof Damage Claims?

Several factors can lead an insurance company to deny your claim:

  • Age of the Roof: Insurance companies might consider older roofs as being ‘worn out’ rather than damaged.
  • Maintenance Issues: Not opting for periodic Columbia MD roof repair can lead to a denial based on a lack of maintenance.
  • Incorrect Installation: If a roof was not installed per building codes or by certified roofing contractors, insurers might refuse the claim.
  • Policy Exclusions: Sometimes, certain types of damage are not covered in the policy.

For homeowners, staying informed and choosing experienced roofing companies in Columbia MD ensures that their roofs last longer and claim denials are minimized.

Steps to Take If Your Roof Damage Claim is Denied

Being prepared is key. Follow these steps to challenge your denial:

1. Review Your Policy

Before raising a dispute, thoroughly review your insurance policy. Ensure you understand all inclusions and exclusions. Sometimes, a simple reread can shed light on the reason for denial.

2. Gather Evidence

Document the damage, especially if you can show the roof’s condition before the incident. Enlisting a Roofer from Columbia MD, like an expert from Kanga Roof, can provide valuable insights during this phase.

3. Seek Professional Opinion

Consulting with a reputable roofing company can make all the difference. Their professional assessment may highlight aspects that insurance adjusters overlooked.

4. Reapply

Armed with new evidence and expert opinions, resubmit your claim. Ensure you address all reasons given for the initial denial.

5. Legal Route

If your claim is denied again, consider seeking legal advice. Sometimes, a legal perspective can help maneuver the complexities of insurance claims.


Dealing with a denied roof damage claim in Columbia, Maryland, can be challenging. However, with the right knowledge, evidence, and perseverance, homeowners can challenge and overturn these denials. Always stay informed, proactive, and consult professionals like Kanga Roof when in doubt. Protecting your home is paramount, and ensuring it remains in top condition is a responsibility we all share.