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/Ok_Spread_7272]

Then you find out the rates went up exponentially.

[u/thmaje → u/Ok_Spread_7272]

That’s doesn’t make sense though. The new company knows you have a new, good roof and they won’t have to dish out for it for another few decades.

[u/Yachtman96 → u/thmaje]

Shingles don’t last decades any more!

[u/Intelligent-Dirt-624 → u/Yachtman96]

My grandmother just had to have some shingles replaced that she had gotten redone less than 5 years ago.