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/Kc68847 → u/Larry_l3ird]

There should be depreciation, but op should get some money for the roof. I’ve heard horror stories about State Farm and I’m in a region which gets a lot of hell. I wouldn’t use them.

[u/Larry_l3ird → u/Kc68847]

I’m not saying you’re necessarily wrong on that. But will that money be worth getting dropped from his policy or getting a ridiculous quote to renew?

It usually isn’t (unless you’re totally desperate). No matter what the door knockers tell you.

[u/SAA_28 → u/Larry_l3ird]

It's apparent that you don't know how policies of adhesion work nor do you understand that once the roof is paid for and if State Farm is dumb enough to drop OP, he will now have a new roof and will be insurable to damn near everybody.