Hi all! I am a homeowner and am seeking advice on my situation. I have enjoyed reading other roofing professionals share their experiences on other posts.
My issue is both damage denial and claims handling:
I am in Iowa and end of April we had a hailstorm. All the homes in my development are same age, 20 years. I have watched 30 roofs go up around me so far and all of us Allstate insureds are the ones in a battle. Lesson learned
Our roofer says we have significant roof and gutter damage. Allstate sent a 3rd party called Hancock and she spent 15 minutes up there and said $400 damage. Our roofer legit laughed. Our roofer emailed direct to our claim reps email address (because that’s what he said to do) his rebuttal and photos the following week. I get a call from that claims adjuster saying (on a recorded line) that he received the photos and is setting up an independent adjuster for a second look. Intrigued I asked “so did you see something in our contractors photos that that girl didn’t show?” He says “I see what “could” be hail damage so I’m giving the benefit of the doubt by sending a second inspector. Allstate doesn’t have company adjusters in Iowa so all done through outside 3rd parties.
Second guy came and him and our contractor were in the roof for almost 2 hours! Our contractor said this guy was marking stuff even he missed. The next week I contact that adjuster to see when his report will be given to Allstate so I can gauge Allstate’s response time. He said it was sent back to him for a revision and he’d have it back to Allstate the next day.
Today a different claims guy calls me telling me they didnt agree with the adjusters conclusion of hail damage, and they reviewed and said it’s blistering and that damage below deductible. I asked how can you look at a picture and dispute a guy you paid, and spent 2 hours on our roof? Here’s where it gets interesting…
He said if my contractor wants to send something in…I interrupted and told him that was already done and the first guy called me after reviewing them thus why a second inspection. He said it wasn’t in the claim file. I said it was emailed direct to claims guy email per his request. I later get an email stating they talked with first claims guy who got the email but couldn’t open it because of the format sent and he tried numerous times to contact our contractor.
Lies! our contractor has no missed calls or emails from them. I replied asking for documentation of attempted calls or emails, and that I wasn’t made aware either. I also requested a copy of both inspection reports by the second adjuster (before and after revision). The Iowa Insurance Division today told me if they they don’t, to file a complaint with the division and they will request them.
Our agent is fighting for us by escalating. I am not rolling over. How do I fight further? Small claims? I need help from the pros on how to twist their balls because I am not one of the 80% that believes what they say and walks away.
Here’s the kicker! Due to depreciation we have to pay 60% anyway…it’s not like I’m getting a free roof so I’m fighting on Principal too.
Whew thank you