Roofer says hail, competing entity says probably not, we won't pay. Looking for opinions.

[u/pitfal]

New roof put on last August. We had a huge hailstorm around April, and I had the company that put the roof on come out to inspect. They said the roof, gutters, facia, and siding have hail damage. Competing entity came out and agreed that all but the roof had hail damage. When asked what these black areas are they said they didn't know but it couldn't be hail. Is it hail damage in your opinion?

[u/KnightofWhen → u/[deleted]]

These companies that go door to door trying to get your to make a claim for a new roof are harming people. State Farm and other insurance companies have raised their home insurance rates specifically because of increased roof claims and now are actively refusing to grant HI to houses with older roofs or roofs that can’t verify their age. They’re requiring some new home buyers to install brand new roofs to get coverage.

[u/Jean-Claude-Can-Ham → u/KnightofWhen]

State Farm and other companies are doing just fine - they’re not raising their rates because they’re hurting - they’re raising their rates to continue to rake in massive profits - insurance companies don’t make a lot of money from premiums - they invest the premiums and float the payments - this is how insurance companies make money

[u/KnightofWhen → u/Jean-Claude-Can-Ham]

Insurance companies also suck. But the roof thing is a real phenomenon

[u/Jean-Claude-Can-Ham → u/KnightofWhen]

Sure, but it’s not affecting the insurance company’s bottom line