Insurance lied to me, what do I do ???

If they are not willing to reconsider your case then it sounds like small claims lawsuit would be recourse.
You would need photo evidence of the leaks actually being caused by cracks in the hail pock marks.

I am an insurance agent. IF it is only "cosmetic" damage they are probably correct. The reason I say this is that most insurance companies will give folks with metal roofs a deep discount on their premium however they usually require you agree to waive only cosmetic damage to your roof.

Having said that, in this case if the roof is leaking you need to contact a reputable roofing contractor to come out an re-inspect the roof. Are you sure the leaks are in fact from the hail damage?

If it is from the hail, the insurance company should pay the claim. I will tell you, there are times people get a bad claims adjuster. Just as with any other business, there are good and then there are bad adjusters. They think they are doing the right thing but they aren't God and can make mistakes.

You will need to provide a professional opinion from your contractor to re-open the claim.

Now, even if they deny you this time you still have recourse, the easiest being arbitration. If you read your policy you will find a provision for settling disputes between you and the insurance company. Bottom line, YOU HAVE RIGHTS so don't let them make you think you don't.

Has the agent who sold you the policy provided any assistance?

Finally, you need to act sooner rather than later. Let me know if I can help further. I will be glad to do so....

Good advice from Truthserum!

From a property adjuster


Cosmetic damage from hail is still damage and should be paid for by your insurance company. This is a named peril on your policy. With that sai hail to metal roof will not lead to leaks, you more than likely have a underlying issue, More than likely you have an issue with your moisture barrier or don't ice & water shield in Vallys of the roof.

Possible issues, it's been 2 years and more than likely you are past your statue of limitations on getting this issues resolved. Your best bet is to file a 2nd claim with a new storm date that hail fell in the area. If you try to go back and get this loss covered under the original claim ( which if what you say is true and your roof was damaged) it will be a hard fight but it may work out. Good luck OP sorry this has happened

Bend over and let them insert a little further. Non lubrication is their practice. You are part of their statistical finance curve.

See my response above, MANY companies give steep discounts to policyholders with metal roofs IF they exclude cosmetic damage so what you said is not necessarily true.

Additionally, they filed their claim initially on a timely basis, (the policy requirements would have been met), this would now be a re-opening of that claim.

Your advice to file a 2nd claim with a "new storm date" borders on Insurance Fraud., not to mention any insurance company always checks the weather in a given area when a storm claim is presented.

They have already experienced a problem, please don't complicate it by giving them bad advice.

If you could you could please just show me in the policy where it states cosmetic damage is not covered...... I'll wait

Now your ignorance is showing. Coverage, as any REAL claims adjuster would know, varies from State to State and Company to Company....that you don't know this tells me one of two things, you are either faking or you are one very lousy claims adjuster.