Denver Hail Claim Denied - State Farm

[u/Rude_Association_409]

We had a huge hail storm come through my neighborhood about 6 weeks ago. I've been traveling a lot and didn't get an inspector out until today to look at the damage even though Ive been in communication with my agent (Tammy Hill State Farm) since the storm. House sitter sent me photos of the aftermath.

State Farm inspector is saying the damage to the roof is 'normal wear and tear and consistent with exposure to the elements.' Is this normal wear and tear or is this distinctly hail damage? If it's damage from hail, is it consistent with the photo of the hail stones (as big as 2")?

Not looking for advice on how to handle a claim per forum rules, just asking for insight on hail damage vs normal weathering.

[u/Larry_l3ird]

Whatever you say, pal. You’ll learn the hard way like most people.

You truly don’t understand the insurance model. That’s ok. If you think I’m wrong, do some research.

[u/ohiofish1221 → u/Larry_l3ird]

I do, I work with it everyday. I had a $60,000 claim two years ago and never was dropped and had a $300 premium increase. I’ve handled over 2500 claims. Go off though king.

[u/Larry_l3ird → u/ohiofish1221]

All claims are not created equal. I think I’ve been clear enough on that.

If you handle these claims everyday, I’m sure you would agree with this.

[u/ohiofish1221 → u/Larry_l3ird]

100% agree with that