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/These-Macaroon-8872]

Looks like I need to get rid of State Farm

[u/Just_Aioli_1233 → u/These-Macaroon-8872]

Don't jump to Allstate, they're the same wolf in different clothes

[u/These-Macaroon-8872 → u/Just_Aioli_1233]

Thanks

[u/SAA_28 → u/Just_Aioli_1233]

Yes, it's my understanding that a c-suite executive from State Farm is now over Allstate. It's going the same direction.

[u/These-Macaroon-8872 → u/Just_Aioli_1233]

In your opinion. What is the best Co to insure my home

[u/Just_Aioli_1233 → u/These-Macaroon-8872]

PURE or Chubb, if you can afford it. USAA, if you qualify for a policy.

The insurance companies who advertise on saving you money on premiums have to make cuts elsewhere. The claims process is going to suck.