After a hailstorm hammered my neighborhood in Texas, our insurance adjuster said the roof damage wasn't covered. They claimed the shingles just showed normal wear, even though the roof was only five years old and clearly had new dents from the hail. Filing the claim felt like a real fight, and the denial letter made it sound like we didn't know how to maintain our home. Now we're stuck paying thousands out of pocket for a repair just to keep the rain out. denied roof claim texas 13