quote:

Originally posted by tatortodd:

quote:

Originally posted by Powers77:
How old is the roof and what was its condition prior to the storm?
Is it as simple as them backing out your deductible and the useful life left on the roof?

It was 7.9 years old and had 20 year shingles. It was in very good condition before the hail storm. No, it's not as simple as backing out the deductible. Their $700 estimate is a joke and $350 of it was fence damage I didn't claim.

quote:

Originally posted by HRK:
We had the same issue here, every roof in the neighborhood was replaced, except the ones who were insured with one carrier, I think it was State Farm.

State Farms investigator was brought in from Oklahoma, where hail is the size of baseballs, he denied several homes claims possibly because hail here doesn't typically get that large and he was looking for bigger damage, or, he was just denying claims in the hopes that people wouldn't fight it... Most don't.

Even with digital images of the roof, physical inspections with several roofers and independent adjustors (same as you) HO keep denying the claim.

It finally came down to suing the carrier, and my neighbor is just the guy to do it, and he hired a good attorney.

And they fought tooth and nail to deny the claim, so have your documents ready, record everything you can, and write down everything, dates, time, who was involved.

In the end he won, the insurance company ended up paying for the roof, his attorney fees and their attorney fees, it cost them $100K to fix a $30 K roof.

Get an attorney and get all your stuff together and expect to go to war...

Oh and he was advised to stay with them for coverage during the process, the minute the claim was finalized and the roof paid for he dropped them. like you 30 years with them..