Hail claim denied, now what?
In Texas, roof damage from hail is common. In fact, according to the Insurance Information Institute, Texas lead the nation in 2016 with over 830 hail events.
Unfortunately, it's also common for insurance companies to deny homeowners' hail damage claims. These denials are referred to as "bad faith," meaning that legally the insurance company should not have a reason to deny your claim. The big insurance companies figured out that when they deny your claim, there is only a small chance that you will fight the denial. Even if you are one of the few that fight them and they end up paying your claim plus attorney's fees, they still come out way ahead and pocket millions of dollars extra each year. There is even a book about Allstate's intentional across-the-board claim denial and underpayment strategy called "From Good Hands to Boxing Gloves."
Whatever you do, DO NOT give up if your valid claim is denied - dispute it!