Hail Damage....Need help dealing with insurance!

[daisy2jae]

While I understand that it's wrong for a homeowner to fraudulently file a claim, I also think it's wrong for an insurance company not to fulfill its end of a contract. My DH had inspected our roof, and we had shingles that were pulled up and/or bent from high wind and heavy hail. It was even obvious from the road.

The first adjuster looked at the roof from a ladder and never climbed onto the roof at all. To my knowledge, he never went around to the back of the house, which is the part that bears the brunt of most storms we have. When the second adjuster came out, he circled the damage on a square (like they're supposed to do...) and took a ton of pictures. Of course, the second time around, our claim was approved after the first was denied. If the insurance company would have sent a competent adjuster the first time, we could have saved a month's worth of time and already had our roof repaired.

I understand with someone who didn't have damage....but I did. You could see the dents on the roof. The gravel on the shingles was already missing in golf ball size spots. We had pieces broken off on the corner pieces. The gutters looked like someone took a golf club to them. They claimed since some gutters only had a couple of spots (which were dents the size of golf balls) they didn't think they should replace. I don't pay for insurance so they can tell me not to replace gutters because it doesn't look that bad. My house was brand new when I moved in November 2008. I refuse to pull up in the driveway and see the garage door look like I let people hit golf balls into it. Plus the garage door windows were broke out. We had damage but the insurance didn't want to take care of it. After all the issues and calls we ended up having the insurance admit that we had over $10,000 in damages.