Simple Claim turned Nightmare
Filing a simple hail damage claim has been an absolute nightmare with SageSure. Here's why: In January of this year, I switched from SageSure to Farmers. In May of this year ('26), I listed my home for sale and, during the listing process, learned that my roof had hail damage. Having never filed an insurance claim before, I mistakenly filed the claim with my current insurer, Farmers. Within two days, they inspected my roof and found clear signs of hail damage to both the roof and gutter downspouts. The inspector told me to expect payment within a few hours. Later that day, however, he called back to explain that there had not been a hailstorm in my area since May 2025, which meant the damage occurred while SageSure insured my home. He advised me to file the claim with SageSure instead. That's when the nightmare began. After filing my claim with SageSure, I noticed their online claim tracker never updated, so I had no idea where my claim stood. My adjuster, Ashley T., called several days later, and I missed her call by only a few seconds. I returned her call within 30 seconds, but it went straight to voicemail. I called several more times that day and continued calling almost daily for nearly a week. Every call went directly to voicemail. I eventually contacted SageSure's main customer service line to explain that I couldn't reach my adjuster because her calls appeared to be forwarded directly to voicemail. Within minutes, Ashley called me back and said she would send an inspector. It took more than two additional weeks before an inspector finally came to my home. During that time, I made several more attempts to contact Ashley. Her phone eventually stopped going directly to voicemail, but she still never answered or returned my calls. After the SageSure inspection, I waited nearly two more weeks for underwriting to review the report. My claim was ultimately denied. SageSure stated there were "no signs of hail damage" to my roof or gutters and concluded that the condition of the roof was simply normal wear and tear. That made no sense. By that point, I had already received documented evidence of hail damage from an independent roofing company and from Farmers. To be certain, I contacted a second roofing company. They came out within two hours, performed a thorough inspection, photographed the damage, and provided an estimate. They believed the damage appeared newer and suggested I file another claim with Farmers in case additional hail had occurred after their first inspection. The second Farmers inspector also found significant hail damage. He told me there was absolutely no question the damage was caused by hail and warned that if the roof wasn't replaced, it would continue to deteriorate and could eventually cause water damage inside my home. However, after researching weather records, he reached the same conclusion as the first inspector: there had been no hail in my area since May 2025. Because of that, Farmers correctly denied the claim since they weren't my insurer when the damage occurred. So now I have: * Two independent roofing companies documenting hail damage. * Two separate Farmers inspections confirming significant hail damage. * Weather records confirming the last hail event occurred while my home was insured by SageSure. And now I'm forced to start over by appealing SageSure's denial. This is a simple hail damage claim, not a total-loss house fire. Farmers handled two claims from filing to inspection and complete reports in a combined four days. SageSure took a month to communicate, delayed the inspection, and ultimately denied a claim now confirmed by four separate, reputable evaluations. It's difficult to understand how four independent inspections all found clear hail damage while SageSure found none. At this point, all four sources agree the damage occurred during the period my home was insured by SageSure. The SageSure inspector was either inexperienced or incompetent. Based on my experience, I cannot recommend SageSure. My new home builder is recommending them, but I will be using Farmers.