Subject: Concerns About Insurance Coverage Dropped Due to “Granular Loss”
I received a letter from my fire insurance provider (CA Fair Plan) stating that they are discontinuing my dwelling replacement coverage due to what they describe as “significant granular loss” on my roof. They claim this is determined by more than 10% of the roof lacking granular coverage. However, I’m pretty sure they didn’t conduct an actual inspection; it seems like they based their decision on aerial images from Google Earth or similar sources. In reality, my roof is in excellent condition with hardly any granular loss. Is it common for insurers to send out these notifications without performing a proper roof inspection? I’ve already submitted an appeal with detailed photos documenting the roof’s condition.
It sounds really frustrating to be in that situation. Many insurance companies do indeed rely on aerial imagery or third-party assessments to make decisions about coverage, which can lead to discrepancies like what you’re experiencing. It’s good that you’ve already appealed with detailed images showing the true condition of your roof. Make sure to highlight any evidence that shows the roof’s integrity, like recent photos and any maintenance or repairs you’ve done.
It might also be helpful to request a physical inspection from an independent roofing professional who can provide a report on the condition of your roof—this might strengthen your case further. If your appeal is denied, consider asking about their specific criteria for “significant granular loss” as well, so you can better address their concerns.
If you find that your insurer is unresponsive or unwilling to revisit your claim after the evidence you provided, it may be worth consulting with a public adjuster or an attorney specializing in insurance disputes for further guidance. Good luck, and keep pushing for what you deserve!