Had a major hailstorm in 2014. It was so bad that adjusters were brought in from other States to help with claims.
Neighbor across the street from me got a new roof,gutters and paint. All I got was the roof,paint and one busted window. I asked the adjuster why and he said to go ask their adjuster. My guy was from Missouri. My neighbors house is covered by large trees while I have no protection overhead.
My contractor called the insurance company and got me coverage for the gutters as well as more money for things the adjuster miscalculated for.
Another issue that brought the HOA into the fray was that the insurance companies would only paint the part of homes that were actually damaged by the hail. The HOA had to back down and give homeowners time to get the whole house painted without penalty.