Home hail/wind claim
We have already had a few hail storms this year and decided to go ahead and put in for a hail and wind claim. I started by have about 5 different roofers come and give us opinions, which each said we had hail and wind damage.
We initiated the claim, and the process started off very smoothly and quickly. Got assigned a desk adjuster and field adjuster within 2 business days. The field adjuster met our roofer and inspected the house on a Monday. He let me and the roofer know he did find sufficient hail samage and was going to suggest a full replacement.
Here is where things went downhill... on Thursday, I got a call from the field adjuster, and he said he wanted to warn me that the desk adjuster was asking to "adjust the report" to deny the claim. He said the desk adjuster said that since our plastic vents did not show hail damage, she did not believe all the other damage was hail. He says he strongly disagrees, and with his 30 years of roofing, he knows the plastic vents dont dent like the metal or shingles. He says I'll have to wait for the report, and then he suggests I appeal it or have my roofer write a letter (which they also agreed to do).
It's now been a week since the field adjusters warning call, and there's still no report from the desk adjuster. This all seems extremely wrong that the desk adjuster can deny the claim with all the hail evidence just because a plastic vent isn't dented. It's already well past the 2 business days the USAA says the report would be done by.
I have been with USAA for 25+ years and use them for banking, credit card, auto insurance, home insurance, and valuable property insurance. This is our first of any type of claim. If this truly gets denied for this, I'll likely taking all services elsewhere.
Does anyone have similar experiences? How is the appeal process? Anything I can do to correct this desk adjuster?