I called in a claim on or about the first of April from a Extremely bad winter that we had from Nov 2009, to April 2010. The damage consisted of Wind, Ice, and Snow. Now my policy does disclude ice and snow damage unless it is caused by something that they do cover. Wind. Now we had 100 mile an hour winds that tore up my roof especially in one area. I was not here for christmas or the first week of January 2010. When I came home I found the one section of the house flooded with water due to the damage on the roof. During the winter I mantained the house very well and considering the winter we had with minimal damage. I am also disabled and even with limited capabilities, I kept the house from falling apart and shoveled the roof when the weather allowed and kept the shingles in place as allowed by the weather and the ice on the roof. To give a general idea, we had an average of 40" s of snow on the ground pretty much till the first part of April and we still had terrible weather untill the end of it and winds up to 80 miles an hour but for the most part gust of 40 to 50 mph. When I called, I tried to ecplain the situation and the kind lady said we should probably list it under snow. Thinking she was trying to be accomidating I didn't realize where this would lead. Of course they denied the claim because they don't cover snow damage. When I asked about the wind, I was told they did but why didn't I mention it and I said I tried but I was told we should list it under snow. So they sent a second adjuster out, now get this. No mistaking water damage of the wind damage to the roof, but they claim that the damage is settling. So now I have my morgage company involved who is going to send out a rep. to access the damage. I already know what they will find and what they will say. How in the world did they come up with the house settling as the reason the section of the house is water damaged. Pictures to come later. First I need to leave everything as is untill the county house inspector, and the Rep from 21st Century.