AAA Homeowners Insurance denial of hail damage to the roof
DEARBORN, MICHIGAN -- We were hit with a hailstorm in our neighborhood in April of 2010. All our neighbors that claimed damage, including my next door neighbors, in every direction of our home received new roofs or are approved by their insurance company due to hail damage. AAA came out to our home and told us our roof was spared by this storm. We contacted 2 roofing companies and both of the roofers said, "AAA needs to pay for a new roof. You have hail damage on the roof including vents and gutters!" We pay them homeowners every year to insure our home, and the first time our home is damaged they come out here and tell us they will not pay for it. AAA is blatantly and fraudulently denying my claim for hail damage to my roof in spite of overwhelming evidence of such damage. AAA admits I sustained hail damage to the thick metal vents on my roof. They have even offered few hundred dollars for "repairs due to hail damage." However, according to AAA, the hail was very selective. While it damaged my vents, it did not damage my shingles. I have submitted to AAA an estimate from a reputable roofing company in this area which estimates assert that the damage to my roof was caused by hail, but AAA denied my claim. AAA clearly under priced everybody in the market when I switched from Farmers Insurance, but people often miss the point that they are very difficult to deal with when the need arises. To anyone considering AAA homeowners insurance. Let the buyer beware.