**A denial is a first opinion, not a final ruling** — and reinspections reverse outcomes more often than most homeowners expect.
Steps that actually move a denied claim:
– **Get the denial in writing** with the specific reason cited. “No covered damage” and “damage below deductible” require different responses.
– **Request a reinspection.** You’re entitled to one, and you can ask that your contractor be present to walk the roof with the adjuster.
– **Compare the adjuster’s scope to reality.** Denials frequently rest on an incomplete inspection — missed slopes, uncounted vents, or ignored collateral damage on gutters and AC fins.
– **Escalate to a supervisor or request a different adjuster** if the reinspection reaches the same conclusion without addressing your evidence.
– **File a complaint with the Texas Department of Insurance** if the carrier isn’t engaging in good faith.
– **Consider a public adjuster or attorney** for large losses — but be aware they take a percentage.
What doesn’t help: letting a contractor pressure you into an inflated supplement. That’s how homeowners end up on the wrong side of a fraud investigation.
We’ll meet your adjuster on site and document what we find, whether or not it supports a claim.