{"id":2890,"date":"2025-11-14T18:16:55","date_gmt":"2025-11-14T18:16:55","guid":{"rendered":"https:\/\/www.insuracarelife.com\/blog\/allstate-rejects-332k-appraisal-award-after-accepting-hail-damage-claim-process\/"},"modified":"2025-11-14T18:16:55","modified_gmt":"2025-11-14T18:16:55","slug":"allstate-rejects-332k-appraisal-award-after-accepting-hail-damage-claim-process","status":"publish","type":"post","link":"https:\/\/www.insuracarelife.com\/blog\/allstate-rejects-332k-appraisal-award-after-accepting-hail-damage-claim-process\/","title":{"rendered":"Allstate rejects $332k appraisal award after accepting hail damage claim process"},"content":{"rendered":"<div>\n<p paraeid=\"{c2701280-5c84-45da-8f46-e661d52134c6}{219}\" paraid=\"418941344\">Their policy includes endorsement AVP313, titled &#8220;Metal Roof Surfaces Cosmetic Damage Exclusion Endorsement,&#8221; which excludes &#8220;Cosmetic damage caused by hail to the surface of a metal roof, including but not limited to, indentations, dents, distortions, scratches, or marks that change the appearance of a metal roof.&#8221; Because the\u00a0Wiegels&#8217; roofing system was and is concrete tile, not metal, they argue the cosmetic-versus-functional distinction\u00a0shouldn&#8217;t\u00a0apply. By limiting coverage to &#8220;shattered tiles,&#8221; the lawsuit alleges, Allstate improperly narrowed what the policy covers.\u00a0<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Their policy includes endorsement AVP313, titled &#8220;Metal Roof Surfaces Cosmetic Damage Exclusion Endorsement,&#8221; which excludes &#8220;Cosmetic damage caused by hail to the surface of a metal roof, including but not limited to, indentations, dents, distortions, scratches, or marks that change the appearance of a metal roof.&#8221; Because the\u00a0Wiegels&#8217; roofing system was and is concrete tile, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2891,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1791,1794,1361,1792,1793,389,363,964,1150,884],"class_list":["post-2890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-332k","tag-accepting","tag-allstate","tag-appraisal","tag-award","tag-claim","tag-damage","tag-hail","tag-process","tag-rejects"],"_links":{"self":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/2890","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/comments?post=2890"}],"version-history":[{"count":0,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/posts\/2890\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media\/2891"}],"wp:attachment":[{"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/media?parent=2890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/categories?post=2890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuracarelife.com\/blog\/wp-json\/wp\/v2\/tags?post=2890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}