You will get different results with different adjusters. That’s what can make hail identification so difficult. You know what it looks like. I know what it looks like. 5 out of 10 adjusters will know what it looks like and 5 out of 10 will say it’s foot traffic, blisters, bird droppings, mumps, chicken pox, second coming, etc.
I know these insurance companies have “internal rules” which they tell their adjusters to follow when settling claims. Problem is sometimes their rules violate their contract with the homeowner, i.e., their policy. The homeowners have to understand that and someone has to educate them since they are the ones who have to ultimately hold the insurance company’s feet to the fire.
There are some insurance companies I won’t even bother with. Country Insurance is the main one. They are just flat out criminal in the way they misuse Xactimate. I don’t like dealing with Allstate either. I have had one good experience with Farmer’s and one bad one. The bad one was where the adjuster was looking straight at a window screen and said she couldn’t see the hail damage. I informed her that she had to look at it from the side then she would see it. Then she said it was probably birds flying into the window that caused it. At that point I got down from the roof, got in my truck and left. No one can be that ***** stupid. That is an example with one insurance company where I dealt with a competent adjuster and one who needed to go sweep floors at McDonald’s.
You have to pick your fights. Fight the ones you can win and walk away from the ones you can’t. JMHO