The carrier’s reasoning, according to the complaint, leaned on an inspection by EFI Global, Inc. on June 23, 2025. That report allegedly concluded hail damage was confined to the entry awning, skylights, and translucent panels between two bays. The broader roof problems, Encova said, were the product of “age-related wear, long-term deterioration, prior repairs, coating failure, and installation-related issues.”
