It is my opinion that our customer has a legitimate hail damage claim; however, the insurance company has regrettably denied the claim.
To be honest the roof is approaching the expected lifetime (approximately 20yr), however, I firmly believe that hail damage has lessened the remaining life of the three-tab asphalt shingle. Another factor working against the claim is the poor ventilation issue that is also evident.
However, I provided the adjustor with the following NOAA Satellite and Information Services Reports of hail events dating: 1.75" on July 28, 1996, 1.75" on August 26, 1996 and 1.00" on September 22, 2006. All of these events are documented at this very LAT/LON and they still discount this claim.
The report claims: “Minor dents and dings in metal caps of the roof vents may be attributed to past hail events, however, the size of the dents and dings are inconsistent with the reported events and the location of some of the damage is at an angle that would make hail impact improbable.”
How should does one proceed with a standoff like this? Your advice is greatly appreciated. Please advise.