Filing a roof damage claim with your insurance company should be simple. But for many homeowners, the process is confusing and stressful. Insurance claim denials happen more often than people expect—especially after a big storm in Bismarck, ND.

In this post, we’ll explain the top reasons why insurance denies roof claims in Bismarck, ND, and how you can avoid common mistakes. Plus, see how Teamwork Exteriors – Helping homeowners navigate insurance claims can make the process easier for you.

You Waited Too Long to File the Claim

One of the most common reasons for insurance claim denials is missing the deadline. Most insurance policies have a time frame for submitting a claim. If you wait too long, your insurance provider can deny it—even if your roof really was damaged.

After a storm, schedule an inspection with Teamwork Exteriors right away. We handle the claims process and help you submit a complete claim fast. We offer the top insurance claim roofing services Bismarck residents count on.

The Roof Had Pre-Existing Damage

Your homeowners insurance policy covers sudden damage, not old wear and tear. If your roof was already in bad shape, the insurer may say the damage isn’t new. This is a big reason why insurance denies roof claims.

Keep your roof in good shape. Healthcare providers and roofers alike recommend regular checkups! Our roofers can inspect your home and keep records that support your claim.

You Don’t Have the Right Insurance Coverage

Not all damage is covered. Some policies exclude hail or wind damage unless you pay extra. Sometimes, your plan may have coverage limits that don’t cover the full cost of repairs. That’s when insurance claim denial can happen.

Let our team review your insurance coverage with you. We’ll make sure you’re not stuck with a wrong policy that doesn’t protect your home. Our pros help you find adequate coverage for your roof.

There’s Missing or Poor Documentation

Another major cause of claim denials is sloppy documentation. If you don’t include clear photos, damage reports, or contractor estimates, your claim might be rejected. Even a clerical error on the claim form can slow things down.

Don’t worry—we’ve got it covered. Teamwork Exteriors provides clear, precise documentation to support your insurance claim, making the process smoother and more transparent. Say goodbye to confusion, second-guessing, or duplicate billing errors.

The Insurer Disagrees With the Contractor’s Estimate

Sometimes your roofer gives one price, but the insurance company says it should cost less. This kind of disagreement can delay your claims payment or lead to denial. It’s common after big storms when there are lots of insurance claims being filed at once.

Our team works directly with the insurance carrier to sort things out. We use accurate repair codes, photos, and fair estimates to support your claim.

You Didn't Get Pre-Authorization (If Needed)

While not common with home roof damage, some insurance providers require pre-authorization for certain types of repairs—just like with medical necessity in healthcare services or dental procedures. Skipping this step could lead to denial.

Always double-check your policy documents or let us help you. We’ll make sure you follow all steps, including any pre-authorization requests, if needed.

Don't Let a Denial Set You Back

Dealing with insurance claim denials is tough, especially when your home is at risk. But you don’t have to face it alone.

With Teamwork Exteriors – Helping homeowners navigate insurance claims, you get a trusted partner to guide you through every step—from inspection to documentation to final approval. Our team takes reasonable steps to help you avoid mistakes and get your claim approved the first time.

Ready to get a reliable, fair roof estimate from a team that Bismarck trusts? Contact Teamwork Exteriors today for expert guidance, trusted roof warranties, and a roofing partner that puts your home first. Call (701)-955-0676 or book your inspection now!