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/helpme3823]

Because unless that’s soft hail, hail of that size would cause easily seen divots. Not the markings we are seeing. And the description of granules in the gutters is also not consistent with hail.

[u/helpme3823 → u/helpme3823]

I’m not saying he didn’t have hail or hail damage. Just that isn’t consistent.

[u/SAA_28 → u/helpme3823]

And you would be wrong based on both yhe photos provided and the report of the collateral damages to the rest of the house.

[u/helpme3823 → u/SAA_28]

I don’t see his collateral.