Alabama Residents Take on State Farm after Denied Hail Claims

Insurance Companies and Trust

“When the insurance company doesn’t do what they say they’re going to do, that creates real trust problems,” Pierce said. “We want to hold them accountable for what they promised to do within their insurance agreements—and that’s to take care of families in need.”

In cases like these, the homeowners are seeking more than reimbursement—they’re seeking justice. These types of delays or denials are often referred to as bad faith practices, and can severely disrupt families trying to recover from natural disasters.

Hail Damage and Your Insurance Policy

Hail damage is one of the most common causes of residential roofing claims in storm-prone regions. When an insurance company refuses to approve a legitimate hail claim, it not only leaves homeowners vulnerable—it also risks leading to further issues, such as mold damage, decking deterioration, and compromised roof insulation. The longer the delay in addressing the cause of loss (COL), the more likely homeowners are to experience additional water damage or even foundational leaks.

This case follows a broader trend across the U.S., where policyholders are challenging insurance companies on claim denials related to hail storms, wind damage, and other natural disasters. It also highlights the growing importance of understanding the details in your insurance policy, such as your deductible, coverage limits, and whether you are operating on actual cash value (ACV) or replacement cost value (RCV) terms.