There’s nothing more frustrating than discovering storm damage to your roof — only to have your insurance company deny the claim. Unfortunately, this happens more often than homeowners expect, especially in Kansas City where weather can be unpredictable and intense.
If you’ve recently received a claim denial, don’t panic. Here’s what you need to know about your rights, next steps, and how the experts at Gorilla Exteriors can help.
Step 1: Understand Why Your Claim Was Denied
Insurance companies don’t deny claims at random. Most denials fall into one of these categories:
- Lack of evidence: The damage wasn’t documented well or was reported too late.
- Pre-existing issues: They claim the roof was already deteriorating before the storm.
- Policy exclusions: Some policies exclude hail or wind damage unless extra coverage is purchased.
- Missed deadlines: Claims weren’t filed within the required window of time.
Always request a written explanation of the denial — this will guide your next steps.
Step 2: Get a Second (Professional) Opinion
Insurance adjusters don’t always get it right. That’s why it’s important to have a licensed roofing contractor perform an independent inspection.
At Gorilla Exteriors, our team:
- Evaluates the full scope of damage (not just visible issues)
- Takes detailed photos and documentation
- Prepares a written estimate to support a possible claim appeal
Schedule your inspection now and let us take a second look before you give up on your claim.
Step 3: File an Appeal
If your policy includes storm coverage, you have the right to dispute a denial. This may involve:
- Submitting your contractor’s findings
- Requesting a reinspection with your roofer present
- Providing additional photos or weather reports
Tip: If a second insurance adjuster visits, make sure your roofer is there too.
We’ll advocate on your behalf to ensure nothing is missed or misinterpreted.
Step 4: Know When to Bring in Help
In some cases, it makes sense to involve a public adjuster or even an attorney — especially if the damage is severe and the denial seems unfair.
But before you go that route, let Gorilla Exteriors help you navigate the process. We’ve worked with hundreds of homeowners throughout the Kansas City area and have deep experience working with all major insurance providers.
Step 5: Consider Your Repair Options
Even if your claim is ultimately denied, ignoring the damage can lead to worse problems — including interior leaks, mold, insulation damage, and electrical issues.
We’ll walk you through all options, including:
- Patch repairs vs. full roof replacement
- Financing options through Gorilla Exteriors
- Manufacturer warranties and lifetime workmanship guarantees
Real Talk: Why Insurance Denials Happen in Kansas City
Kansas City’s location puts it in the crosshairs for hail, tornadoes, and strong windstorms. Insurance companies know this — and may try to minimize payouts in high-risk areas by blaming “normal wear and tear.”
That’s why having an experienced local contractor on your side makes all the difference.
We know what Kansas City roofs go through. We know how to document storm damage properly. And we know how to advocate for the repairs you actually need.
Steps to Take if Storm Damage Roof Insurance Claim Is Denied
Don’t let an insurance denial be the final word. Your roof protects everything you care about — your home, your family, your peace of mind.
If you’re dealing with a denied claim after a storm, let Gorilla Exteriors take it from here. We’ll inspect your roof, help you gather documentation, and assist with the appeal process from start to finish.
👉 Schedule your inspection today or call (913) 257-3888 to talk with a member of our storm response team.