can my insurance company refuse me when I ask for a second opinion on roof damage when they denied the original claim.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Oct 9, 2018

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Insurance Question from Carpentersville, IL

Asked on 10/09/2018

can my insurance company refuse me when I ask for a second opinion on roof damage when they denied the original claim. I am being refused a second look at my roof for wind and hail damage, I don't trust the first person who came out and want someone else to look at it.

Answer given on October 10, 2018

If your insurance company denied a claim for damage to your roof due to wind and hail damage, you can get another estimate and review whether they agree to it or not.  Most roofers will look at your roof at no charge and if they can find evidence of damage due to storms, they can contact the insurance company to review the denied claim.  Go ahead and get the estimate from another roofer. If they support your contention of damage, you should call your insurance company and speak to the adjuster. If they still deny the claim, ask to speak to a supervisor to review the entire claim.

If your roof is old and there was existing damage to it due to previous storms, it may be difficult to get your insurance company to agree to pay for the roof to be repaired. However, you may still want to get the roof repaired or replaced as future damage will still be denied by your insurance company.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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