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.

There was a baseball game last year that got delayed. I saw a twitter post talking about the storm an that they had some hail. There were roofers in the comments asking for what neighborhood.

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Roofers are right there with ambulance chasing attorneys.

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I wouldn't say that bad, but I do know someone that drives around with binoculars after storms looking at roofs for damage in decent to good neighborhoods.

Roofers are right there with ambulance chasing attorneys.

You left out "isnsurace companies"...

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.

It leakes But it could be from the lead Jacks that have been eaten by the squirrls

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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.

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”Other Structures” (like a fence) are usually covered for actual cash value (aka depreciated value) because they have short life expectancy compared to the actual house. Thats not unique to State Farm

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”Other Structures” (like a fence) are usually covered for actual cash value (aka depreciated value) because they have short life expectancy compared to the actual house. Thats not unique to State Farm

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Yea, on almost all HO3 policies in Louisiana, a non-building structure (a building structure is typically defined in the policy as having a roof and walls) is paid out on an actual cash value basis. A repair is not typically deprecated but a replacement is, this is why a repair typically puts more money in the insured's pocket than a replacement even though the homeowner gets pissed that they are getting a repair and not a replacement.