State Farm often denies hail damage claims primarily because the adjuster determines the damage was not caused by a covered peril, such as a sudden and accidental hail storm. Frequently, this means State Farm asserts that the damage to a roof is due to normal wear and tear or aging, which standard homeowners insurance policies typically do not cover.
Common Reasons for Denial
When a claim for hail damage is submitted, State Farm, like other insurers, dispatches an adjuster to assess the property. The adjuster's role is to determine the cause and extent of the damage.
The most frequent basis for denying a hail damage claim is the adjuster's conclusion that the roof's condition is a result of uncovered causes of loss. This distinction is critical in insurance:
- Covered Cause of Loss: Refers to specific events or perils explicitly listed and covered by the policy, such as hail, wind, fire, or theft. For hail damage, this implies fresh, distinct damage caused directly by a recent hail storm.
- Uncovered Cause of Loss: Refers to events or conditions not included in the policy's coverage.
The Role of Wear and Tear and Aging
A significant reason for denials is the assertion that the roof damage stems from normal wear and tear or aging. Homeowners insurance policies are designed to protect against unforeseen, sudden, and accidental damages, not the gradual deterioration of property over time.
Consider the following distinctions:
| Cause of Damage | Insurance Coverage Status (Generally) | Explanation |
|---|---|---|
| Hailstorm Impact | Covered (if sudden & accidental) | Indents, cracks, or fractured shingles directly caused by recent hail. |
| Normal Wear and Tear | Not Covered | Gradual deterioration, fading, or minor granule loss due to daily exposure. |
| Aging | Not Covered | Deterioration from the natural lifespan of roofing materials over years. |
If an adjuster determines that the existing roof damage, such as granule loss, minor dings, or brittle shingles, is consistent with the roof's age and general exposure to the elements over time rather than direct, recent hail impact, the claim is likely to be denied. Insurers view wear and tear or aging as maintenance issues rather than insurable events.
Understanding Your Policy
It's essential for homeowners to understand their specific policy terms. While policies cover damage from sudden perils like hail, they consistently exclude damage from gradual processes like:
- Rust
- Corrosion
- Decay
- Deterioration
- Molding
- Dry rot
- Wear and tear
- Marring
- Scratching
- Hidden or latent defects
What to Do If Your Claim is Denied
If your State Farm hail damage claim is denied, you have options to pursue:
- Review the Denial Letter: Carefully read the official denial letter to understand the specific reasons cited by State Farm.
- Gather Your Own Evidence:
- Take detailed photos and videos of the damage, showing clear impact marks.
- Document the date and time of the hail storm.
- Obtain a professional assessment from a reputable, independent roofing contractor who can differentiate between hail damage and wear and tear.
- Request a Re-inspection: Ask State Farm for a re-inspection, potentially with a different adjuster or with your contractor present.
- File an Appeal: Many insurers have an internal appeals process. Follow their instructions to formally appeal the decision.
- Seek Professional Assistance: If disputes persist, consider consulting a public adjuster or an attorney specializing in property insurance claims. They can help navigate the process and advocate on your behalf.
