What are common reasons for roof claim denials?

Five reasons cause most roof claim denials in coastal SC, with cosmetic-vs-structural fights on hail dents leading the list. Adjusters argue dents don't hurt function even when salt air strips granules 12-18% faster. The other four are wear and tear, late filing, no documentation tying damage to a named storm, and failure to mitigate. Failure to mitigate means you didn't tarp and water kept coming. So after a named storm, get a contractor up there inside 30 days. Pull the NOAA storm report for your zip and save dated photos. If you're denied, file with the SC Department of Insurance at doi.sc.gov before hiring a lawyer.