Hail Roof Damage Claim Denied After Allstate Points To ‘Cosmetic Exclusion’ Amendment;
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Hail Roof Damage Claim Denied After Allstate Points To ‘Cosmetic Exclusion’ Amendment;


PERMIT TO SELL BEER BUT ALL THOSE COLLECTIVE EFFORTS SEEM TO HAVE FALLEN SHORT AS THEY CONTINUE TO DEAL WITH ISSUES. WE’LL KEEP AN EYE AND IF ANYTHING CHANGES WILL GET BACK TO IT. AFTER ANOTHER ROUND OF SEVERE WEATHER, HOMEOWNERS ARE FILING INSURANCE CLAIMS. AS THE CBS 11 I-TEAM DISCOVERED, SOME MAY BE IN FOR A PRETTY RUDE SURPRISE. INVESTIGATIVE REPORTER BRIAN NEW JOINING US TONIGHT, YOU FOUND A LOT OF POLICIES MIGHT NOT COVER HAIL DAMAGE ON ROOFS. Reporter: AND WE FOUND HOMEOWNERS DO NOT REALIZE THIS UNTIL THEY HAVE THEIR CLAIM DENIED. THIS IS ESPECIALLY TRUE FOR THOSE WITH A METAL ROOF. A TEXAS COUPLE IS WARNING OTHERS TO CHECK THEIR POLICY FOR WHAT’S KNOWN AS A COSMETIC EXCLUSION. WHAT STARTED AS DROPS AND THE SOUND OF RAIN ON A METAL ROOF QUICKLY GREW LOUDER. VERY LOUD. Reporter: AND THEN MUCH LOUDER. SOUNDED LIKE THERE WAS A WAR GOING ON OUTSIDE. IT WAS SO LOUD. Reporter: AND THE SIZE OF THE HAIL — WE MEASURED ONE HAILSTONE THAT WAS 3 1/2 INCHES BIG. AND IT WAS JAGGED. IT WAS JUST A STORM THAT WE NEVER WANT TO GO THROUGH AGAIN. STANDING RIGHT HERE YOU CAN SEE WHERE THE HAIL STORM BEAT ON IT. Reporter: WHEN THE SUN CAME OUT, PETER AND NANCY SAY THE DAMAGE TO THEIR ROOF WAS OBVIOUS. SO THE TEXAS COUPLE CALLED THEIR INSURANCE EXPECTING THEIR ROOF WOULD BE REPLACED. I FELT AFTER THE ADJUSTER CAME OUT I WAS GOING TO GET A NEW ROOF. THAT’S ALL I WANTED. Reporter: BUT THE REINAGRES NEVER GOT A NEW ROOF. ALLSTATE DENIED THEIR CLAIM. I WAS FLABBERGASTED. I SAID, I COULDN’T BELIEVE IT. I COULDN’T BELIEVE IT. Reporter: WHEN THE REINAGRES SIGNED UP FOR THEIR INSURANCE WITH ALLSTATE, THEIR AGENT SENT THEM THIS E-MAIL ATTACHED WAS THIS DOCUMENT LABELED HOME POLICY. IT LISTED THE COVERAGES WHICH INCLUDED THE ROOF. I SPOKE WITH THE AGENT AND I SAID I HAVE HAIL DAMAGE FOR THE METAL ROOF AND HE SAYS YES. Reporter: SO THE REINAGRES PAID THEIR PREMIUM ONLY LATER TO DISCOVER THIS IS NOT THEIR OFFICIAL POLICY. THIS IS. A 60 PAGE DOCUMENT POSTED ONLINE AFTER THE REINAGRES PAID THEIR PREMIUM. ON PAGE 39, IS A COVERAGE EXCLUSION. IT READS, COSMETIC DAMAGE CAUSED BY HAIL TO A METAL ROOF IS NOT COVERED. THE REINAGRES SAY THIS WAS NEVER DISCLOSED IN THEIR INSURANCE QUOTES OR APPLICATION. THEY SLIPPED THE EXCLUSION IN THERE. AFTER WE PAID FOR OUR PREMIUM. Reporter: DURING A COURT DEPOSITION REPRESENTATIVE SAID THE REINAGRES AT ANY TIME COULD HAVE ACCESS TO THEIR POLICY ONLINE. AND THERE, THEY WOULD HAVE SEEN THE COVERAGE EXCLUSION. AND THE CBS 11 I-TEAM REACHED OUT TO ALLSTATE. THE INSURANCE COMPANY SAID IT COULD NOT ANSWER ANY OF OUR QUESTIONS. TELLING US IN A STATEMENT, AT THIS TIME WE CANNOT COMMENT ON THE SPECIFIC DETAILS OF THIS CASE AS LITIGATION IS STILL ONGOING. THE REINAGRES SUED ALLSTATE AND IN MARCH A JURY REACHED A $1.5 MILLION VERDICT IN FAVOR OF THE REINAGRES. WHEN THE JURY WAS ASKED DID ALLSTATE COMMIT FRAUD, THE JURY ANSWERED YES. THIS WAS A SCHEME THAT WAS SET UP FROM THE VERY BEGINNING TO MAKE SURE THAT THESE PEOPLE HAD NO IDEA WHAT THEY WERE BUYING. Reporter: ATTORNEYS DAVID AND JAMES SAY THEY BELIEVE THIS IS NOT AN ISOLATED CASE. THEY HAVE OTHER CLIENTS WITH SIMILAR CASES. PLUS THERE’S BEEN FORMAL COMPLAINTS FILED WITH TEXAS DEPARTMENT OF INSURANCE FROM OTHER ALLSTATE POLICYHOLDERS WRITING THEY TOO WERE NOT TOLD ABOUT THE COSMETIC EXCLUSIONS. OUR CONCERN IS THAT CAN HAPPEN TO ANY TEXAS HOMEOWNER AND THEY DON’T EVEN KNOW IT’S ABOUT TO HAPPEN UNTIL AFTER THE STORM. AND LONG AFTER THEY’VE PAID THEIR PREMIUM TO ALLSTATE. THAT’S WHERE THE HAIL HIT. Reporter: WHAT THE REINAGRES SAY IS ESPECIALLY FRUSTRATING IS THE DAMAGE TO THEIR ROOF IS FAR MORE THAN JUST COSMETIC. THEY SAY THE HAIL CAUSED THEIR ROOF TO RUST AND NOW WHEN IT RAINS, IT LEAKS. WE WANTED OUR ROOF FIXED. THAT’S ALL WE REALLY WANTED. Reporter: DESPITE THE JURY AWARDING A $1.5 MILLION VERDICT, THEY HAVEN’T SEEN ANY OF THE MONEY YET. ALLSTATE WOULD NOT SAY IT DOES APPEAR THEY ARE GOING TO APPEAL THIS VERDICT. BEST ADVICE TO HOMEOWNERS, SO WE DON’T END UP IN THE SAME PREDICAMENT, WHAT DO YOU SAY? PROBABLY A GOOD IDEA TO CONTACT YOUR AGENT AND THERE’S TWO QUESTIONS YOU REALLY WANT TO ASK. IS MY ROOF COVERED IN THE EVENT OF A HAILSTORM AND DO I HAVE THIS COSMETIC EXCLUSION ENDORSEMENT? SOME DEFINE THIS EXCLUSION AS ANY HAIL DAMAGE OUTSIDE OF A HAILSTONE PHYSICALLY PUNCTURING A HOLE IN YOUR ROOF. DENT, SCRAPES, ANYTHING LIKE THAT OFTEN NOT COVERED. EVERY AGENT WATCHING RIGHT NOW IS SAYING MY PHONE IS GOING TO BE RAINING AND IT

8 Comments

  • Marten Dekker

    Allstate rejected a lot of claims in NewOrleans, hurricane Katrina. See Spike Lee's doco "when the levies broke".
    Still awarding 1.5 million is stupid. Just award 2x roof cost.

  • Anthony Lopez

    Insurance Allstate is a fraud. In all mishaps all insurance never want to pay? They only want to become millionaires with your money once you file a claim they bring all these papers of why they don’t have money for you….

  • Your Mom

    I worked for a roofing company, this is a game lots of insurance plays …. It's because the "integrity" of your roof has not been compromised by the hail, it has only caused cosmetic issues …. ins. Company just hopes you give up and accept it

  • Inquirer 101

    What did you expect from the Back Hand People? They're great at taking your money, but short on claim payout.

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