Isnurance company denied my roof hail damage claim. Options?

Well the roofer wants the damage so he gets the job.

The insurance company doesn't want to pay.

Probably need to get a 3rd party estimate, a 2nd roofing company and file an appeal.

There's "damage" and then there's needs to be replaced damaged. If your vents just have some dents they really don't need replaced. If your roof took damage that diminishes its value drastically or dimishes its ability to protect your house, then it needs the work.

Your other option is to fix it on your own dime without insurance...

When did the hail damage your roof?

Insurance companies have started a 12 month expiration to file a hail claim.
And they know when the hail storms come through. So if the storm was 13 months ago, your roofer isn't going to be able to help you file the claim.

When did the hail happen?
How large was the hail?
How old is your roof?

Hail typically needs to be larger than a quarter in size to damage a shingle less than 12 years in age in South Louisiana.

I had SF up until the last month or so. A roofer came through our neighborhood and a guy 2 houses down gets a new roof through USAA. He inspects mine and says we should have enough damage for a claim (recent hail storm in AP). SF comes out and says damage is less than deductible. Roofer suggested taking a shingle off of the roof and sending it out for testing to see if the same shingles are still manufactured (I guess some sort of loophole). I told him no and have since acquired USAA. SF is a joke.

I made a claim with SF after Ida because my entire fence fell down. The SF adjuster told me they wouldn't give me replacement money for the fence because it was older than 3 years old. I said so I need to replace my fence every 3 years to be fully covered? Insurance sucks.

Also, if you have access to USAA I highly suggest trying to acquire it. I thought at first that you needed to have a living parent/grandparent veteran who had USAA in order to qualify for it. Turns out you only need to call them and establish lineage. Now I have it and all of my children have access to it and so will their children and so on and so forth.

You need a significant amount of damage from hail to actually compromise the integrity of your roof.

The company won’t definitively call damage “hail damage” because that insinuates a significant hailstorm. It’s the insurance company trying to avoid any conflicts with lawyers who’ll destroy them in litigation if they indicate hail damage and don’t cover it.

Get a 2nd opinion from a reputable local roofing company. Not one that goes around canvassing neighborhoods and knocking on doors after a storm.

If the 2nd roofer also says you have hail damage and the roof should be replaced, send that to the adjuster. If the adjuster still doesn’t approve the new roof, then ask for their supervisor. If that doesn’t work, file a complaint with the state’s Department of Insurance

I’m not an expert or anything but You can always hire a public adjuster, a professional a-hole to harass and bully the insurance company while you wash your hands of the whole thing. He gets paid a cut of the claim and you get a new roof. It’s a delightful process, full of quality people working together, lol.

I did this successfully in 2020.

Depends on what state the residence is in

You can have hail damage on your roof, need a new roof, and still not have a valid claim. If you have a 15+ year old roof almost every roofer is going to tell you that you need a new roof, and almost all can find some hail damage. Doesn’t mean that hail has created the need for a new roof.

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Anyone deal with this before. I know I can file an appeal. Any success stratagies or past est experiences would be appreciated

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You just need to get a re-inspection.

The insurance company will probably pay to replace turbines, vent caps, and a few other things but will most likely will be under your deductible amount. The roofer needs to send in a full estimate/supplement to your insurance company along with pictures showing there is hail damage. That will get your insurance sompany to send out a different adjuster for a 2nd inspection.

If you get denied on your second inspection then you have minimal options. The best is to file a department of insurance claim (you can do this if they deny you a 2nd inspection). The "get a lawyer" advice is just dumb. No lawyer is will be willing to take on that case. It's not worth their time and they would never win anyway.