Yes, they did the same to me. Have had my roof insepcted and reinspected by US Lloyds 3 times now.
They sent the same "roof engineer" to my home. My roofer was there alll but the first time when they inspected it before scheduled time.
Roof engineer said there were not sufficient storms in my area the claim was made.
Unfortunately, the placed the wrong date as damage sufferage. Mine actually occurred April 14, 2011. There were several LARGE Hail Stones. One shattered my front window. Two others pierced my 1/4 inch plastic Scurity System warning sign!! Thousands of strikes on my fencing including one broken fence post.
Yet, somehow I was in the same bubble you must be under. Because Standard/US Lloyd couldn't find sufficient damage on my property. Despite other roofs and complete fences are being replaced. Imagine that?
Suspiciously, my damages fell just short of my deductible. Funny thing, my roofer met the same Lloyds inspector a few weeks later and told the Ins man if you're going to do the same kind of wiork likle you did before don't even bother going up.
He reports Insurance inspector replied that they were a smal company and couldn't afford to fix everyones roof.
Guess what? He did the same to them. Net result: damages minimized to reduce US Lloyds financial responsibilty.
I asked to speak with Standards Claim managers supervisor but she was apparently unavailable since she was involved in another mediation meeting!!
Obviously, this is standard for Standard/US Lloyds Insurance.
The Texas Insurance Department states they have a 2.5 times higher complaint ratio than other Home Insurance writers.
We should get together and confront them as a group ya think?
If considering ANY Insurance I would avoid Standard Insurance/US Lloyds Insurance. To me, they are only good at taking money away from you.