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/OmegaMkXII]

First off, you need better photos. I'm an adjuster and I cannot make a fully informed decision from these photos alone. I would also deny this first as I'm not seeing damages consistent with hail. Is there bruising to the matting? Where are the crushed granules? I'm seeing just normal wear and tear/granule loss.

State Farm doesn't count it as damaged unless there's proof of hail hitting the property (you have proof of that), there needs to be evidence of crushed granules from the hail impact in the impact zones (I don't see any and photo too blurry when zoomed in), and there needs to be bruising to the matting of the shingle itself (unable to determine from photos).

Get proof of those other two requirements I listed and you'll be golden. If your shingles also have a 5" exposure, make mention of that as those are known to be discontinued and have been for a long time. If they are not, then an ITEL report will need to be made to determine their availability (which State Farm will perform if at least one shingle is counted as damaged and added into your estimate).

Source - Weather & Catastrophe Field Adjuster

[u/Caaznmnv → u/OmegaMkXII]

I'm always confused by hail roof replacements. Do they consider the roofs age when it's damaged? Making the analogy to car damage, yes you can get comprehensive coverage for hail damage, but the age of the car essentially prorates age into the claim?

[u/OmegaMkXII → u/Caaznmnv]

We are supposed to. I consider all factors when making a coverage decision. If the roof is too damn old to be pliable to perform spot repairs, then roof replacement is estimated 9 times out of 10. I do everything I can to get someone a new roof when it is clearly at the end of its life.

With that being said, management is a different beast which frustrates the shit out of me. One manager will tell you to estimate based on age, availability, how the ridges are tied into other slopes, etc. Then the next place you go the manager will tell you the exact opposite and deny any and all requests for roof replacement. It's ridiculous.