California Casualty (Mark Barteld) A+ insurance Dropped my Coverage after filing a claim Internet

Your last post is right. I was a 40 yr claim executive in 9  of the  nation's top carriers before retiring and now advocating for the policyholder.  I have taken on many hail roof losses in the Midwest and upon challenge, they all are reversed. Hail is a tricky issue as they claim cosmetic damage to the shingles are not covered, but the policy does not say that. Donan Engineer has worked claims with  me from years past and always asks your insurer- "HOW DO YOU WANT THE REPORT TO READ?" They pander to the industry that hires them. What they are really saying is the hail did not hurt the integrity of the shingles. It still keeps the water out and if no holes are in the shingle from hail, there is no coverage.
 
NOT SO FAST...THE POLICY DOES NOT DEFINE DAMAGE. Cosmetic damage is still damage. The granules are still damaged and the shingles will not last as long as expected and may even curl up on the ends in 2 yrs after the adjuster and circus all have left town. You only have one year to file suit or settle your claim from the date of loss in most states.

Yes you have coverage "but for" their expert statements that the hail did not cause structural damage, there is no coverage. They are making up the rules as they go in breach of the contract. Of course not, but the shingle is still damaged. The degree of damage is not defined by the policy ..yet. Some carriers are trying to insert a per cent of damage in the contract for the future wherein the damage must be 80% of the roof to have coverage. That is almost an inducement of fraud and has been rejected in most every state so far. 

You need to hire an Advocate or Public Adjuster for 10-20% maximum fee of the recovery. If he fails it costs you nothing. You want to make sure to demand a cash out ACV settlement. Put the money in your pocket, not the insurance company contractor or hired gun. Its your  right to be paid direct. You can then hire your own sub roofer and pay yourself as the General contractor 30-40% of the money. You may even have to demand appraisal under the policy but you will still win if they dont stack the deck against you in the selection of the umpire. Hiring a PA is still your best bet and settle on a cash out. Dont agree to make any repairs until the cash is in your hands.

The Advocate  

Rather than give up after a claim denial, there is another option that you didn't consider that might have helped you.  And, still might be able to.  You could have contacted a Public Adjuster.  They aren't employed by insurance companies and often can assist you in resolving your loss claim.  They can also use forensic engineers to assist them if need be.  Many times, Public Adjusters can obtain satisfaction.  Of course, they are paid by you, not the insurance company.  But, like court settlements, their fees should be recoverable with any settlement with your insurance carrier.