I am a contractor who specializes in working with homeowners during hail and wind restoration. Metlife and Farmers ALWAYS deny the claims. So far this year, I have had 5 denials for my homeowners. All the other insurance companies have approved the roofs in the area that I am working due to hail. So, it seems a bit suspicious that Metlife and Farmers can't find hail in an area where all of the other insurance companies can.