Happy

 

I feel for you. Sounds like a typical insurance company these days. They want you to pay them, but they don’t want to pay you. I live in an area where we have “wildfire seasons now“. Doesn’t matter how long you’ve been with them, and how many premiums you’ve paid over the years. They look for any reason to cancel you or deny coverage. It’s a big scam!🤬

 

You made an error. When the inspector came , you were supposed to ask “ Do you know who could fix this? “ then he would have said , yeah , sure my brother-in-law. The claim would have been approved lickety split.

 

Call your agent, and complain.

 

…especially if your agent is 007.

 

The secondary adjuster says it happened in 2023 and we have/had one year limit to apply. The 2nd email denial says it was normal wear and tear. Our experienced 74yr old roofer who was on the roof said it was hail damage. We have 2 residences and 2 vehicles with this company and will get a new one if this denial 'sticks'. To say we are unhappy with these filthy animals is an understatement.
ETA- we have no idea when it actually happened.

Quite honestly, the insurance company would most likely be glad to see you leave. You’re basically a pimple on their keester of business. Especially when they look at your driving habits and see you doing 75 mph in a snow storm at your age. The actuaries probably have you marked as high risk. One hail storm is not going to wear away the sand on a roof shingle. The insurance companies are not falling for bugus roof claims anymore. It is what it is.

 

In the area I live in everytime it rains hard and the wind blows over 30 mph the next day the roofers are calling or knocking on your door. They would rplace your roof every 6 months if you let them.

 

"It happened in 1923".

WHAT?

 

I watched my roof blow off last year and the adjuster came out in a couple of weeks and approved a new one in about 15 minutes. Roofs do wear out.

 

Yeah, but insurance doesn’t cover normal wear and tear. If the roof blows off, that’s a different story. My Prius is almost 16 years old. Maybe I’ll get my insurance company to pay for a new one as mine is worn out. Roofs are a wear out item and for years people have been scamming insurance companies into new replacements and they are not falling for it anymore. Can’t blame them.

 

Ya never know until ya ask. Our roof was damaged from Helene and the adjuster wanted to
replace the sections that he thought were damaged from the storm - about 2/3 of the roof.
The rest of the roof (20 years old) was "undamaged". The roofer that we got to do the repairs
replaced the entire roof for a price that was less than the "partial" repair. Hope that you get a
repair that satisfies the need. Downside is that our latest billing from the ins. co. was almost
30% higher than the year before. They will get their money back eventually. Needless to say, I
don't have much good to say about insurance companies...

 

Well I live in NE Texas, had a leak in the garage - thought it was wind damage. The adjuster said it wasn't wind damage, it was hail damage that occurred a month before....so now processing the rest of the "data". Thing is, I don't remember any "hail", he** yeah - the Hartford through AARP. Good luck. P

 

You have to know what the policy covers. For mine I have a option for cosmetic damage clause that I pay extra for. Otherwise some minor damage probably wouldn't be covered.

 

You should call your insurance agent anytime a significant hail storm comes through. It doesn't matter how much grit is left on the shingle - if the hail is large enough it will crack the bottom side of the shingle and cause a leak. They use a formula of so many hits per square feet to determine if you need a roof or not. Mine has been replaced twice from hail damage. I never call a roofer first, call your insurance agent and they will send an adjuster out. A roofer will almost always tell you that you need a new roof. And if you don't think your insurance company is honest, get a new insurance company.

 

This ^^^^^^^^^
Any time a significant storm (hail or wind) call and get an adjuster out.
Waiting a year or two is just pointless.

 

You have to know what the policy covers. For mine I have a option for cosmetic damage clause that I pay extra for. Otherwise some minor damage probably wouldn't be covered.

There's dings all over the roof where the gravel is gone. These weren't cheap azz shingles. Ins. should be happy'm not asking for the shed and 4 car garage with the same shingle installed at the same time.

"It happened in 1923".
WHAT?

lol, fixed.

 

Hate lawyers, but in this case you should talk to one. Insurance companies hate paying claims, but they also hate costly legal battles even more.
But they might have an out if it happened 2 years ago and you're just now filing a claim.

 

Never trust an adjuster, the one we got said we had a 20 year roof and would pay for the same. I had a 25 year but he insisted it was a 20 year until I showed the bill. He then instantly paid for a 25 year roof. I think they get a bonus if they short change you. He did the same with our truck offered $3500 but the body shop said $6000, they paid the whole amount.

 

You need to have ALL the roofs claimed since they were in the same install. If the house is damaged so are they. Unless you want to foot the bill for replacing those yourself.......

 

A new asphalt shingle roof is figured to have a 30 year lifetime. The insurance company will pay nothing if your roof is 30+ years old, and they will prorate your payment based on how long it's been up there. So if your roof was installed in 1996 and you got "approved hail damage" last month - the insurance company would only pay 1/30 of the estimated replacement cost.

I found it interesting that the adjuster never measures a single thing. They use satellite photos and some program to determine how large your roof is. Pretty accurate too. At least as accurate as a guy on the roof with a tape measure.

 

When wind wrecked our roof this year we were a little worried. The inspector was a kid out of Atlanta working tornado claims. He had no construction/roofing experience, he just applied for the job - which is this. He climbs up on your roof with his laptop and pings his location. Then he climbs down and drives off. 5-10 minutes tops. Our check we received covered most of it as there was depreciation. Then they sent us a bonus check after we proved we did indeed spend the money on replacing the roof. Total covered a little over 75% of the roof. Pics of the new roof.

 

Not sure what company the denial came from, but here in VA our 20 Y/O home had hail damage, apparently significant. My wife had been telling me she thought we had hail damage on our front and back porch roof that we can see from the 2nd floor windows. We bought this house in 2019 when it was 14 Y/O, 25 year shingles.

Anyway, we had a roofer come out (that did a neighbors home last year) to get a quote to replace the roof. He spent about 10 mins here and said to call our insurer, we had significant hail damage. The roofer actually came back and met the adjuster and walked all the roofs on the house and garage with him. Insurance company did not question the hail damage or even ask when we thought it happened. It took 2 weeks but they approved our claim. We have been with State Farm for a long time, probably 28-29 years and have all our auto, home, life, renter (for my college kid) insurance with them and we have never had a homeowners claim, so maybe that helps?

Hopefully you can coerce your insurer into taking care of at least a portion of the repair.

 

I got stiffed on the first insurance offer of only $500. I got the adjuster and my roofer together to look at it again. Shingles and siding damage, paid out over 20k. 11 year old roof. Got complete exterior replaced for about 8k out of pocket, including windows. This was ten years ago. YMMV

 

Had the same thing happen with my tv.
Adjuster said “ I see no hail damage “ “ lack of maintenance “. So we list all insurance coverage on tv roof.

tv repair center said the insurance adjuster was the only person there that could not see the hail damages.

 

call a public adjuster, they work for you and most times insurance companies will go with what they say...

 

Hey Al, even if you do have to replace your roof out of pocket - be sure to let your insurance company know that you did. They will probably want a copy of the roofers invoice for proof, but most insurance companies offer a "new roof discount". The discount may only last for a couple of years, but it's better than a sharp stick in the eye.

 

My next door neighbor and I both had estimates done after a hail storm. We both had obvious hail damage. We both had the exact same insurance company and the exact same agent. I got a new roof, he didn't. We're still trying to figure that one out.

 

I think insurance companies make it a point to say no, in the hopes that customers will not argue their case, and they can save money.

A few years ago, meth-heads broke into my cabin and stole everything...and i mean everything. Took the food outa the cabinets even, blankets off the beds...if it could be carried they took it. Clothes, boots, gear, all gone. Generators, tools, all loaded into my utility trailer, which they drove off with.

They tried to steal my tractor & ended up frying some electrical stuff; fortunately they couldnt start it but they did fry out some of the gauges.

Same for the 4-wheeler...they hammered a screwdriver into the ignition & tried to force it to turn. no luck there either, they just managed to tear stuff up.

Insurance (State Farm) said no to claims on the tractor & 4 wheeler "because they are vehicles & need their own policy for coverage" and paid nothing.

Initially they didnt want to pay the claims on all my gear either...they asked for receipts to prove i had the stuff. I asked the guy on the phone if he had the receipt for the shoes he was wearing since the thieves stole several pair of hunting boots, and he stammered a bit and admitted he probably didnt.

After a month of that i called my agent of 25 years and reminded them i was paying State Farm for insurance on 5 vehicles, 2 businesses, and my home, and if they didnt get this handled i would cancel every policy before the next billing cycle. They did finally pay off, though it was about 30-40% less than what the stuff cost me to fix & replace.

 

We had a bad hail storm with a tornado thrown in the mix back in 2014, dented some of the metal gutters to the point where you could see the dents protruding in the gutters from the ground, not standing on the roof or a ladder. Also dented some metal skinned exterior doors and punched a few holes in the vinyl siding on the detached garage/shed.

The shingle roof on the house and detached garage were replaced, the dented gutters and exterior doors were not replaced (considered cosmetic damage) and the vinyl siding on ONE (1) side of the detached garage was replaced, luckily it was beige color siding and you could see just a slight difference in color when looking at a slight angle and see two different sides. All the dented gutters still function just fine.

The roofing company discounted the job by the amount of my deductible to get the job, and dealt with the insurance company on what was truly damaged and not. Neighbor next door got new gutters but was with a different insurance company.

GL on getting a fair settlement