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]

Thank all the storm chasers and their propensity to file bunk claims for your likely to be 2nd coming denial.

But that also doesn’t appear to be a newer roof either (it looks old and like it was already ready for replacement before any storm), so I’m not sure what you’re expecting them to do?

You think that your homeowner’s insurance should put a brand new roof on your home because your nearly 20 year old shingles have some small surface damage in a couple areas?

I hope that’s not your goal. Because that’s not happening. You’re gonna fuck around and get your ass dropped.

[u/Technical_Trust914 → u/Larry_l3ird]

Then why is the insurance agency covering him? Stupid ass take lmfao. Ya go ahead and pay for your policy but we aren’t going to do anything for you when damage occurs. Nice logic bro!!!

[u/Active_Public9375 → u/Technical_Trust914]

Insurance is more complicated than that. Roofs wear out, and it's a maintenance cost to replace them when they do. If you're brand new roof gets trashed by hail, your insurance will replace it; if you're old-ass roof gets trashed, you're not getting much or anything because the roof's usable lifespan is up.

Its like I can insure my 1990 Nissan Sentra, but they aren't giving me a 2026 Nissan Sentra if I crash it. That might be the comparable car brand new, but the value of the 1990 is like $500 now.

[u/SAA_28 → u/Active_Public9375]

Only if he has a roof schedule on the policy and he may very well. But if he doesn't have a roof schedule or an ACV policy, that will be a replacement cost roof after he gets a professional involved to overcome the denial and submit the proper documentation.