This so called "insurance" company told me my hail damaged siding and roof is "cosmetic" damage. An experienced contractor told me my siding and roof needed total replacement. This "insurance" company also gave the same ludicrous assessment to 6 of my neighbors affected by the same storm. My insurance agent told me he has never heard of anything like this. I am disabled and I can not afford to fix the damage. I always assumed (I guess incorrectly) that was what I was paying my high insurance premiums for. I am very interested in finding an attorney to represent my 6 neighbors and I.