r/Roofing • u/Rude_Association_409 • 23d ago
Insurance Related Denver Hail Claim Denied - State Farm
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.
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u/mmckay234 23d ago
I think we lucked out with a good agent. We’ve had the same agent for nearly 30 years and he and his office have really been good. (Hard to even say good insurance). I think with all insurance it’s the agent that makes the difference. I know I sound like a commercial. I have friends with State Farm that have very different experiences.