American. Modern Insurance Company This fraud of an "insurance" company told me my considerable hail damage to my roof and siding is "cosmetic" . According to my insurance agent he has never heard of this type of determination. He also told me that the same adjuster gave the same ludicrous determination to 6 of my neighbors affected by the same storm. Amelia Ohio

 This so called "insurance" company told me my hail damaged siding and roof is "cosmetic" damage. An experienced contractor told me my siding and roof needed total replacement. This "insurance" company also gave the same ludicrous assessment to 6 of my neighbors affected by the same storm. My insurance agent told me he has never heard of anything like this. I am disabled and I can not afford to fix the damage. I always assumed (I guess incorrectly) that was what I was paying my high insurance premiums for. I am very interested in finding an attorney to represent my 6 neighbors and I.