re: Thinking about filing an insurance claim on deteriorating roof. Advice?

I'm familiar with Pilot. I was with Crawford & Company. A lot of my time was spent chasing hurricanes.

Deterioration, wear and treat is specifically excluded. As soon as you use those words it is going to be denied.

Get your own expert out there to look at it before you contact anyone. If he says there's storm damage, you stand a chance. Get him to do up an estimate and if possible a report of his findings that support the storm damage. Only then submit it to the insurance company. Insurance company will then have their guy go out and look and say no storm damage. Once they start threatening to deny the claim, make sure you tell them you talked to a lawyer about a bad faith claim and then go on to repeat those two words, bad faith, about a dozen times. That's your best hope.

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I have a few friends that have been adjusters for a long time and I have heard too many stories about the claims they deny from hail storms and it's always people using hammers on their roofs and/or vehicles. One told me that you could actually see blue paint that came from the tip of a hammer in each spot the guy hit. Another was a guy using a golf ball in a sock on his car. You could see the golf ball dimples and fibers of the sock in the paint.

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that's a lot of work to fraud someone. I would think it would be easy to tell the difference between a hammer and hail damage. The golf ball in a sock is taking this to a different level -

Not sure why type of shingle you have but a class action lawsuit has been filed with GAF Timberline Architectural shingles. There are a few other models of shingles also I believe but I know that one for sure. Claim is shingle is basically breaking down prematurely and causing damage to homes. The shingles in question would have had to be put on your roof in the past 10 years. Just some info you may benefit from.

If you knew the roofer that installed it that would get you nowhere. Unless you prove he installed it improperly. The warranty is with the manufacturer and they never pay claims. It's always something other than the quality of their shingles.

Dummy
That's not how insurance works you dumb dumb

And the roofs of the houses never seem to have damage within a foot or so of the edges of the roof.

I lol about people that do that only to be denied then they're left with an even more fricked up vehicle or roof.

I've never been a adjuster but I would think that it would be easy to tell the difference - I would think the hammer would have circle or halfmoon type of damage and would probably be more uniform in damage. Especially if its along the edge of the roof - that would make me