Three weeks ago we had a terrible hailstorm. My husband noticed loose shingles and we had a leak in one of our bedrooms. I called Tower Hill and they said they would send someone out from Pacesetters to do the inspection. He came out the next day and told me I had hail and wind damage and he would recommend a full roof replacement and all I had to pay was my deductible. There were three witnesses to his statements as he sat in my living room I waited 7 days and heard nothing so I called my adjuster at Tower Hill. She said she did not have the report back. My roofing contractor called the guy from Pacesetters who did the inspection and he said the pictures did not come out right and he had to come back again on Sunday (6-22-14) to take them again. We were at home all day Sunday and he never came out. I called my adjuster at Tower Hill on Monday 6-23-14 and she said my roof claim was denied because it had blistering and not hail damage. I raised holy hell about being lied to and now they have agreed to send someone from an engineering company to look at my roof. Why are they using a company with lying employees to handle their claims? Why did I have to deal with these unethical people? I will be telling everyone I know about this experience and suing to get my roof replaced if I have to, .
ClaimAdvocate
Ft Wayne,#2Consumer Suggestion
Wed, September 24, 2014
The last decade has re-defined wha tis hail and what is cosmetic damage and what is fucntional damage. The truth is all hail damage is covered. Tower Hill are defrauding you as the policy does says it coverd all direct damage not excluded. Hail is a covered peril and the degree of damage is not relvant.
You cannot tie in a few squares of new shingles against old shingles and expect the roof not to leak, its an absurdity. You already have atorn water proof membrance by the leak. You need a new roof. Pacestter Claims is an independent claims Service for hire. Tower Hill decided after a valid insepction to ask them to make the report appear the hail damage is not signifiant and thereby deny the roof. This is common in topdays claim practice and they get away with it. Sending out a roof engineer is only another bias vendor working for them, not you. The venodrs will write up wahtever and however the carrier wants to so to stay on the approved list. Many times every house on a stree got a new roof, but yours did not, why? You were isnrued with THIG.
THIG is inspereicned adjusters for the most part and chose to look the otheray when management prostitutes their own adjusters to beopcme the compnay w***e so to speka. This is a common practice today to save millions in profits. A good advocate can reverse these wrongful denials and obtain far more than the sub roofer bid. I challenged 16 Allstate hail roof claims last year that were denied after 3 inspections.... and won everyone! The homeowner who challeges them will almost always recover more.
It is worth your time to look for a claim advocate to handle your claim and make a full recovery. The cost may be 20% but you get 80% back and the recovery is base don retail market pricing which more than covers the Claim Advcoate costs to you. You have th eright to have your claim settled on General Contracor priocving, not handy man bids that are flawed with short cuts and sub standard work or materials. If the Claim Advocate doesn not win and make a recovery you owe nothing, its free for you. You should have no problem winning this type of loss. You can also proceed to Appraisal to settle the scope of damages unless they claim you have NO hail, which does not appear to eb the issue.
Good Luck