Insurance Roof Claim Denied or Underpaid? Here’s What You Can Do Next
- pledgeroofingpros
- May 13
- 2 min read
Getting your roof claim denied — or paid out for less than you need — can be frustrating, especially after a damaging storm. But here’s the good news: a denied or underpaid claim doesn’t have to be the end of the road. In many cases, there are still options to get your roof fully repaired or replaced without footing the entire bill yourself.
At Pledge Roofing, we’ve helped countless Oklahoma homeowners get results after a disappointing insurance decision. Here’s what you can do next.
Why Was Your Claim Denied or Underpaid?
Insurance companies deny or reduce claims for a variety of reasons, including:
Calling the damage “cosmetic” or not severe enough
Blaming it on wear and tear or improper maintenance
Missing or misclassifying the actual damage
Only approving part of the repair, leaving you to cover the rest
Missing policy deadlines or incomplete documentation
If your payout doesn’t match the real cost to restore your roof, don’t panic — you still have options.
Option 1: Request a Reinspection
If the adjuster missed something or didn’t fully assess the damage, you can request a reinspection.
At Pledge Roofing, we can:
Review your initial claim and photos
Provide a second, professional inspection
Be on-site during the reinspection to make sure nothing gets overlooked
A second opinion — backed by a knowledgeable contractor — can often lead to a revised or increased payout.
Option 2: File a Supplement
If your claim was underpaid or partially denied, a supplement may be the right next step.
We’ll:
Compare the insurance estimate to the actual damage
Provide detailed documentation, photos, and measurements
Work directly with your insurer to get the full scope approved
Supplements are a common part of the process — especially after major storms. You don’t have to settle for less than you’re owed.
Option 3: Explore Retail Roof Replacement
If your claim is completely denied, or the insurance deadline has passed, a retail replacement might be necessary. But that doesn’t mean you’re out of options.
At Pledge Roofing, we offer:
Fair, transparent pricing
Flexible payment and financing options
High-quality materials and expert workmanship — with or without insurance
We’ll work with your budget to get your home protected again.
Act Fast — Before Damage Gets Worse
Delaying action after a storm can lead to bigger problems — leaks, mold, structural damage, and even total claim denials.
If you think your claim was unfairly denied or underpaid, let us take a look. We’ll give you an honest assessment and help you take the next step — whether that’s a supplement, reinspection, or retail replacement.
We’re Here to Help
At Pledge Roofing, we know how confusing insurance can be — and how frustrating it is when you don’t get the help you need. That’s why we offer free inspections, claim support, and no-pressure guidance to help you move forward confidently.
Pledge Roofing and Construction
Jake T. Jensen, President
License #80005691
📞 (405) 353-2762
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