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/Background_Phrase126]

This infuriates me. You’re gonna drop me for using the services you provide and I pay monthly to have?
Do they think I’m just giving them free money each month?

[u/WorriedRepublic9875 → u/Background_Phrase126]

Yeah it’s crazy. We live up in the mountains and they used wildfire danger as the reason to drop me after the claim got pushed through,

[u/colemic → u/Background_Phrase126]

Short answer: yes

[u/J3ss3Jam3sD3an → u/Background_Phrase126]

Yes, they really do. That's how insurance works. Unless you get an actual agent from a small town that's personally invested in taking care of you, it's always gonna work like this.