Denied Hail DamageNov 15 2011
Our area experienced a freak storm with hail the size of golf balls. After the storm, I checked the house for damage and found chunks of siding taken out. I contacted State Farm who sent an adjuster out. He was able to get on my porch roof and found damage, but could not get onto the house roof. Another adjuster was sent out who tried to say the damage to the siding was a result of children playing ball in the neighborhood (appalling since I live on an hill, very close to my neighbor's house, and there no children in the area). I denied this and he finally said he would replace our siding. He also found damage to the roof's ridge vent and siding, but none to the roof. I hired a contractor who found hail damage to our roof. He sent photos to State Farm and they eventually sent another adjuster out. This adjuster found damage to the gutters, but none to the roof. My contractor was present and pointed out the damage. The adjuster told my agent's office that their was "scuffing on the roof due to people walking on it". This was preposterous since only the State Farm adjusters and my contractor was the only ones on my roof ever and they wore special boots. So, according to State Farm, there was damage to my siding, gutters, ridge vent and my car, but miraculously none to my roof.