Some Insurance Companies Suck

[ponokareefer]

Originally Posted by Seriak

Attached is your estimate of hail damages to your residence, please note there was no evidence of hail damages to your shingles that would affect its integrity and there no reason they will not last manufacture stated warranty. Your soft metal do have hail dents and siding does need repairs

So have you seen damage to your shingles then or had a carpenter/roofer tell you that the shingles do need to be replaced?

[Seriak]

Originally Posted by ponokareefer

So have you seen damage to your shingles then or had a carpenter/roofer tell you that the shingles do need to be replaced?

I have seen damage to the lower roof, I myself have not been on the top part and I personally have no idea how much damage would need to be caused to effect the integrity of my shingles. That is why I called in another roofer now. Hey, if he agrees with the insurance company, I will count myself lucky that my house miraculously got missed admist a plethra of house damage. But I had hail damage hard enough to put holes in my siding, but no deterimental damage to the roof? Seems fishy.

[ponokareefer]

If the contracter does say that you need new shingles, I'd get them to put in in writing and call then your broker.

[globaldesigns]

I myself, had a claim.... ING sent people out and looked at things, and I had some siding replacement and full spout replacement, but no roof. They said there was no damage. I do know that I had a higher quality roof installed, of which they confirmed to me.

They did however tell me that I have 2 years, and if I wanted, I could have someone else look at it, and they would cover the cost. I never did.

ING has been great, with 4 claims (house, truck, car and trailer) hit by hail, by 2 different storms, they processed quickly and I had no issues.

FYI, hail damage causes divets on the shingles, this cracking the material... If there are no visible divets, then there probably isn't any damage due to hail. Just like divets on car surfaces, picture the same on roofing material.

[Seriak]

Originally Posted by globaldesigns

I myself, had a claim.... ING sent people out and looked at things, and I had some siding replacement and full spout replacement, but no roof. They said there was no damage. I do know that I had a higher quality roof installed, of which they confirmed to me.

They did however tell me that I have 2 years, and if I wanted, I could have someone else look at it, and they would cover the cost. I never did.

ING has been great, with 4 claims (house, truck, car and trailer) hit by hail, by 2 different storms, they processed quickly and I had no issues.

FYI, hail damage causes divets on the shingles, this cracking the material... If there are no visible divets, then there probably isn't any damage due to hail. Just like divets on car surfaces, picture the same on roofing material.

I can see divets on the lower roof section. I may have to look into ING depending on what this new roofer finds out. They sound pretty good.

My only other problem is that I only recently noticed hail damage on the hood of my vehicle. Unless the light is in exactly the right position you don't notice them and you can't feel them at all. I was going to leave it, but if I switch companies for auto then their inspection would void future hail damage. So do I put a claim in for this?

[globaldesigns]

Originally Posted by Seriak

I can see divets on the lower roof section. I may have to look into ING depending on what this new roofer finds out. They sound pretty good.

My only other problem is that I only recently noticed hail damage on the hood of my vehicle. Unless the light is in exactly the right position you don't notice them and you can't feel them at all. I was going to leave it, but if I switch companies for auto then their inspection would void future hail damage. So do I put a claim in for this?

I think your problem will be that you won't be able to submit to a new company, as the damage is a past occurance, of which they were not your insurance provider. You will have to hope for another big storm, that causes damage throughout the city, in order for you to try and get it covered.

Seems odd that they denied you when you can see the divets. That isn't good!

[ponokareefer]

Originally Posted by Seriak

I can see divets on the lower roof section. I may have to look into ING depending on what this new roofer finds out. They sound pretty good.

My only other problem is that I only recently noticed hail damage on the hood of my vehicle. Unless the light is in exactly the right position you don't notice them and you can't feel them at all. I was going to leave it, but if I switch companies for auto then their inspection would void future hail damage. So do I put a claim in for this?

I think your best bet is to call your broker to get the best advise on whether to put in a claim or not. We don't have access to your policy, how this could affect your insurance rates or what coverage you have under your policy. You could possibly get some very bad advise for your specific situation.