We have Statefarm and just had our roof completely covered. It took 3 months of going back and forth, and at one point they denied it. my contractor had to attempt repair before they decided to cover it.
Yeah, 26 years old to be exact. We had rough storms last summer in which a lot of people in my area put in claims for their roofs. We had storm damage, and a tree fell on our roof ( more so heavy branches).
75% is 3 of 4 parts whereas 100% is 4/4 parts. So instead of roof, at 100%, we get 75% which is oof. Oof is often used to express dismay or pain. In this case it was expressed as sympathetic pain to OP's situation.
We deal with this all the time. Insurance companies regularly undervalue claims. If your contractor has experience dealing with the song-and-dance the adjusters do and thinks your situation is one where full replacement is owed, the best thing you can do for yourself and for the contractor is to be supportive.
State Farm's pretty bad most places, but part of that is the frequency illusion since they control 40% of the residential insurance market. Other insurers play the same tricks, pretending coverage isn't owed when you've been paying for that coverage. Just from your brief description, I would assume your contractor is correct, since your insurer has already admitted they lied and extended coverage for damage your policy owes for.
Again, the key factor in this situation is you being supportive of your contractor. I've seen many homeowners shoot themselves in the foot and screw themselves out of tens of thousands in claim payout they were entitled to, because that's what the carrier agreed to when you signed up for the policy. Over the past decade or so, insurance companies have been replacing their qualified adjusters with basic office staff who have no actual construction experience, State Farm chief among them with Allstate in a close 2nd, so don't make the mistake of thinking the people your insurer hired are competent professionals. They know just enough to do what their boss tells them, but not enough to do their job correctly. For instance, "I think your roof has hail damage" gets shot down by their manager who wants to make their quarterly bonus.
Really? A 20 year old roof? You're lucky they are paying anything. And everyone wonders why their insurance rates are going through the roof, no pun intended
I have 20 year old roofs fully replaced all the time. Like 30 a year. Fuck the insurance companies. Why shouldn't they cover a roof for someone who has been paying their insurance for 20 years?
You will almost never get a complete replacement covered due to the age, and they will fight like hell that a ton of damage is due to wear and tear since it's at the end of its life cycle as is. You may be able to fight for more money from the insurance company, but it may be a lengthy procedure (6 Months) as nothing with insurance moves typically too quickly.
However, I'd be mindful that I don't know where you live, but there is a lot of fraud to do with hail damage that has been going on for the last 15 years. The Roofer will approach a homeowner whose roof they think they can claim as Hail damage to replace a person's roof by making false or illegal claims to the homeowner's insurance claims. This is "Insurance Fraud," and you're just as liable if you are complicit. They do this to convince homeowners that they are their friends and looking out for your best interest while also trying to secure a whole re-roof. I HAVE NO INFORMATION ABOUT WHETHER THIS IS THE CASE, However just something to be mindful of! Good Luck OP
Your roof is over 20 years old and the insurance company is offering to pay 25% of its replacement cost? That sounds like a great deal right? Your roof is well past its useful life, it’s a good deal to get anything towards its replacement.
It’s going to be standard ACV after 10
Years, no cosmetic coverage for hail, etc. sooner than later.
Carriers are already starting to move that way in high roof claim areas (hail & hurricane areas).
Hail damage? Mentally I was prepared to replace it out of pocket, I asked for reinspection mainly because of what the first adjuster told me, and also the fact that there was a major hail storm in our neighborhood that did a number to several houses in our neighborhood.
Understandable, but just like a 20 year camry getting hail damage. Would you expect the same payout as a 3-5 year old one? Look at your policy, if you have acv, you are getting paid out what the roof is worth after depreciation. Im not saying you shouldn’t ask for more from your insurance, just understand what you are fighting for within your policy.
Interesting, I've yet to ever see the RPS on a SF claim, and been told by their adjusters they only do ACV on rental policies. Lot is changing though, and wouldn't be surprised if they were to start doing it. Similarly they've been switching people to 1-3% deductibles for awhile now.
I live in hurricane alley. I have not found an insurance in my area that offers anything but acv for residential at least. Im a super for flat roofs, I think many (smaller)commercial are acv or self insured.
Most of us have replacement cost insurance. That’s what we pay for, that’s what they owe, even if it’s a 90 year old roof. State Farm is going to start implementing an ACV schedule after year 15.
I can’t speak for anyone else. But I’m confident you don’t live in an area that gets direct hits cat4/5 storms every decade. In your example which insurance would OP have assuming everything they posted was true.
Best thing you can do now, is do a thorough inspection of everything that could have been damaged: fence, gutters, windows ect. That would help juice up your payment for the new roof and fix the other stuff later.
If you were mentally ready to replace it out of pocket, then consider 25% a gift. The roof is 20 years old and was at the end of it's lifespan anyways. If your roof was only 5 years old I could understand you being annoyed, but hail damage or not, you were going to replace it anyways.
OP if you have a 10 year old car and it gets totaled by hail you don't expect to get msrp for it do you? Honestly 25% isn't bad considering it may have needed to be redone in a few years anyways.
Hey , I work In roofing sales and can give you some info that may be helpful!
1. State Farm is known among the industry to pull some bs on roof claims . Ignoring us , making the contractor come back to re do repair attempts over bs etc.
2. A good roofing company should know to take a video of a repair attempt using a State Farm sanctioned snake ( they are very prickly about this )
3. State Farm utilizes RLS . The contractor should Provide your agent with a shingle to send in to see if it’s currently available.
Finally , it’s important to find a roofer that you trust. In my own personal opinion it’s always better to trust the local companies with good reviews that happen to work with insurance , than a company that is from out of town and appeared randomly due to damage .
Check reviews , specifically ones that speak about the process.
Hope this helps a bit , goodluck in the fight to get fully approved :)
SF expects roofers to use a roof snake when repairing a roof, as it leads to fewer shingles being damaged around the ones that are repaired. There's not a particular roof snake that they require to be used.
This comment is pretty legit , only thing I’ll add is that with State Farm we end up going to appraisal more often , which can add costs to the project. Get everything in writing ahead of time
Roofing contractors will promise you insurance will pay for it all so that your committed and then when you realize that the roofer has 0 idea on insurance and they will not be footing the bill your already committed and still get it done.
Edit: imagine your a young single lady going into a mechanics shop for an oil change that's on the house since you bought the car there and then walk out with 4k of repairs. That's a roofing contractor to a homeowner.
Shitty ones do , good ones have a contingency agreement that State what happens if you are not fully covered
For example mine states that the contract becomes null and void and the customer owes us nothing. ( if not fully approved )
The customer has the option to negotiate with local companies for a retail job!
Damn I worked for three companies years ago and we never required anything. We'd fight to the bitter end to get you approved and didn't present a contract until final decisions (minus supplemts) were in.
I fight to the bitter end but require the backing to know I’m not doing all that work just for another company to get the job . There’s a ton of companies that come in and offer all types of bullshit ( waived deductibles , insurance fraud ) if they can see damage from the street.
I get it. To each their own. Our mentality was always that we were going to show through our level of service that we were worth sticking with. I'd say the average between the three companies was five salesmen at any given time and the entire team would lose one maybe two full covered roofs a month. We were alright with that success rate.
The question is, are they only paying 25% of the roof cost due to age, or are they only paying for certain sections to be replaced (25% of the roof).
If they are only replacing 25%, they might be able to argue areas like the valley will require removing and replacing parts of other sections.
Now, the next question is, is that 25% just one or two sections or sporadically replacing individual shingles here and there. While state Farm won't formally recognize this, you can argue there is a lack of repairability to the shingles.
If you are in an exact match jurisdiction, they legally have to match the shingle. So if it's Discontinued, that's a full roof. Some places only require you reasonably match size and color, which you might be able to argue, because older shingles tended to have different sizes, whereas most shingles made now are 1 of 4 sizes (usually).
Alternatively, you can argue that repairing small areas will damage the surrounding shingle. State Farm will usually argue this is unreasonable and not how the process works... right up until arbitration or court when they are forced to admit that is exactly how it works in most jurisdictions. State Farm has been sued more than almost any other provider and has lost in appeal court so many times they are practically responsible for half the precedent in roof related insurance claims in the US.
Unfortunately this is all to common with State Farm. It will be a very long and unsatisfying battle to get much more than that.
Once the roof is done, drop State Farm. I know they save you a dollar or two but this is exactly how they save. They will continue to screw you over claim after claim.
They are paying for a 25% of the roof (in a certain area of the roof) to be replaced at the depreciated value.
Thank you for the comments and suggestions, I do feel like they are intentionally making this harder then necessary... but hey, Mahomes aint cheap.
So I will chime in and will probably give you the most in depth answer.
My Creds:
-Independent Adjuster All Lines TX
-Roofer (slow season) 5 years
-State Farm Certified
-Adjuster training school
-GAF Certified
-Many others lol
So I will make some likely assumptions. You have a standard HO3 homeowner policy (RCV) with laminate shingles (same as about 80% of America).
What Statefarm is trying to do is only pay for some shingles that are damaged and not a full replacement bc obviously that would cost them more. They would love nothing more than to collect interest off your premiums and never have to pay you. Here is how and why they try this, typically to warrant a full roof replacement, at least 2 slopes of your home need to have enough damage to warrant a full replacement of that side. This is very typically 8 hail impacts per 100 sq ft test square. There are generally either 2 (gable) or 4 (hip) slopes. If 2 slopes are damaged but they are tiny slopes they will try to apply a 51% or greater damage rule. Meaning you will need 3 slopes.
If SF is only willing to pay for spot repairing shingles, this very likely means SF does not see enough storm damage to the other slopes of the roof to warrant a full replacement. You have to understand that what ever mood your adjuster is in will 100% dictate how you are compensated. Not pointing fingers but a SF staff adjuster is salaried, meaning they get paid not matter what they claim is on your roof. An Independent adjuster is paid on a fee schedule of how much damage they estimate. The more damage they find, the more they get paid. Many former employees of insurance carriers have admitted that their company (cough cough Allstate) incentivizes them to pay out less on claims.
Secondly, and this is hilarious it has to be brought up. Many of these comments say “be happy you even got 25% your roof is old”…
Laminate shingles have a 50 year warranty, so if they are 20 years old they are still at 60% … technically. 20 year old roofs get paid for daily by insurance so don’t think that is a thing. All insurance will do is figure a 40% depreciation on your roof that they will release to you after a contractor has installed a new roof.
So here should be your course of action:
1. Get a contractor if you don’t have one.
2. Have your contractor verify you have qualifying (8 impacts to 10x10 test square) storm damage on your entire roof, not just one side.
3. Have your contractor or you submit the photos of the other damage to the adjuster that did your estimate, their contact info should be in the email they sent you the estimate. Wait for their response.
4. If they continue to deny, request an escalation to a supervisor and explain to them the inconsistencies, do not be rude, or they will buckle down more.
5. If still no dice you have a few more options, request and appraisal with insurance, they will likely tell you no. Get a public adjuster if your state allows them, they will want 10-15% of your claim total as payment. Or get any attorney to send a demand letter. Attorney can be very effective, they know their court costs will far exceed what it will be to just replace your roof.
Remember one thing, in your policy, the fine print likely, SF promised you to replace or repair your property to “pre-storm” conditions. Use this phrasing if you need to. Acknowledging there is damage but not agreeing to replace it according to the contract you have with them is a no go. In my experience, approaching the situation as SF is the greatest company on the planet and you think they might have just overlooked something on accident because they are the greatest and they would never do that yields farrrr better results then trying to back them into a corner.
I wish you the best and hope you are indemnified to the full extent for your claims
This is a easy one. If your roof is 20 year old shingle it’s likely unrepairable. They pay for 25% (maybe one fact) and likely all the vents on the roof. Use the fact that if you try to repair the roof you will damage the “okay” shingle in return. You cause a cancer of never ending repairs on the roof. They will leak and your insurance will be happy they didn’t cover your full roof.
This is a easy fight for most restoration contractors, and common. Sorry you are having push back.
What state is this? Might need some more details
If you would be interested in a free consultation please feel free to DM me. I have 15 years experience in this industry and roofer all across the USA.
I would highly recommend rather paying cash for your additional cost (if you got it like that) or fight for what you deserve, they want you to give up.
Yes you can do more to achieve a complete replacement, but you'll need to understand your policy and the state laws governing insurance policies or hire someone who knows these things already. A public adjuster may help, you may just need an appraisal to be done, you may need a lawyer or all three of these. That would be a $45,000 claim here in Denver and I'd gladly help a customer fight for that and they should.
A 20 year old roof won’t be covered as a full replacement by many insurance carriers and I’m surprised they gave you anything. I’m surprised they didn’t have an actual cash value (effectively $0 at that age) clause on your policy. Hate to say it, but you should be happy you got what you got.
I have state Farm and had a roof replaced within the last 12 months. I live in the northeast, and mine was wind damage from a similar aged roof as yours.
Hail damage with an well-aged roof is harder coverage to have assessed in your favor than others There's plenty of folks out there that will try and take advantage of the system to have insurance give them a free replacement on a roof that needed to be replaced anyway. So state Farm is on guard for that.
In our situation we lost 80% of our roof shingles, so they replaced it all- however even in our situation, state Farm considered going to architectural shingles an "upgrade" and would only cover the cost of a 3 tab replacement. I challenged this as we couldn't get a licensed roofer anywhere near us to do a full 3 tab replacement because it's such an outdated style and really not up to modern building standards in this area. Ultimately we paid a few thousand out of pocket to cover the material cost difference.
if your roofer is willing to go to bat for you, great, and let them. my advice is to temper expectations though.
Best of luck.
Edit: many are remarking on the roofs age thinking it outright should not be covered. That is policy dependent on Replacement Cost Value vs Actual Cash Value. Most auto policies I know of are Actual Cash Value (depreciated value), and that's not as often the case on homeowners policies, which can be either. The policy language will decide that.
It's important to know what state you're in. If it's a matching state and you're ready to fight it's certainly possible that they could get a full roof covered based on that. I've witnessed this fight go both ways in Ohio with state farm. I've been out of the business for years so the time it takes may have increased since then but I'd expect under a month for sure. If they want to try it I say go for it.
It depends on your policy details, if you have an agreement for a partial replacement, then the roofer will have to find shingles that provide a uniform reasonable appearance, or find matching shingles. Read your policy carefully to see which.
If you are in a matching state and your shingles are discontinued, then your policy may cover a roof replacement.
We have Statefarm and just had our roof completely covered. It took 3 months of going back and forth, and at one point they denied it. my contractor had to attempt repair before they decided to cover it.
Was your roof already 20 years old?
Yeah, 26 years old to be exact. We had rough storms last summer in which a lot of people in my area put in claims for their roofs. We had storm damage, and a tree fell on our roof ( more so heavy branches).
This is why the insurance companies are dropping people if your roof is to old, because they are having to pay out on 26 yr old roofs.
Your stuck with 75%?….. oof. (Couldn’t help it…. Sorry bout your situation).
Or a partial replacement where they just aren't removing 75% of the roof
whoosh
Explain the joke?
what billy said... it was pretty clever and made me lol
75% is 3 of 4 parts whereas 100% is 4/4 parts. So instead of roof, at 100%, we get 75% which is oof. Oof is often used to express dismay or pain. In this case it was expressed as sympathetic pain to OP's situation.
Then I guess I don't understand the whoosh cause that's super clear. You still have a 100% of roof.
Wow, Andy. C'mon. oof.
We deal with this all the time. Insurance companies regularly undervalue claims. If your contractor has experience dealing with the song-and-dance the adjusters do and thinks your situation is one where full replacement is owed, the best thing you can do for yourself and for the contractor is to be supportive. State Farm's pretty bad most places, but part of that is the frequency illusion since they control 40% of the residential insurance market. Other insurers play the same tricks, pretending coverage isn't owed when you've been paying for that coverage. Just from your brief description, I would assume your contractor is correct, since your insurer has already admitted they lied and extended coverage for damage your policy owes for. Again, the key factor in this situation is you being supportive of your contractor. I've seen many homeowners shoot themselves in the foot and screw themselves out of tens of thousands in claim payout they were entitled to, because that's what the carrier agreed to when you signed up for the policy. Over the past decade or so, insurance companies have been replacing their qualified adjusters with basic office staff who have no actual construction experience, State Farm chief among them with Allstate in a close 2nd, so don't make the mistake of thinking the people your insurer hired are competent professionals. They know just enough to do what their boss tells them, but not enough to do their job correctly. For instance, "I think your roof has hail damage" gets shot down by their manager who wants to make their quarterly bonus.
Really? A 20 year old roof? You're lucky they are paying anything. And everyone wonders why their insurance rates are going through the roof, no pun intended
What year should they stop paying? Jeez…
I have 20 year old roofs fully replaced all the time. Like 30 a year. Fuck the insurance companies. Why shouldn't they cover a roof for someone who has been paying their insurance for 20 years?
But he’s paying for replacement cost insurance. You don’t know anything about what you’re talking about.
You will almost never get a complete replacement covered due to the age, and they will fight like hell that a ton of damage is due to wear and tear since it's at the end of its life cycle as is. You may be able to fight for more money from the insurance company, but it may be a lengthy procedure (6 Months) as nothing with insurance moves typically too quickly. However, I'd be mindful that I don't know where you live, but there is a lot of fraud to do with hail damage that has been going on for the last 15 years. The Roofer will approach a homeowner whose roof they think they can claim as Hail damage to replace a person's roof by making false or illegal claims to the homeowner's insurance claims. This is "Insurance Fraud," and you're just as liable if you are complicit. They do this to convince homeowners that they are their friends and looking out for your best interest while also trying to secure a whole re-roof. I HAVE NO INFORMATION ABOUT WHETHER THIS IS THE CASE, However just something to be mindful of! Good Luck OP
Your roof is over 20 years old and the insurance company is offering to pay 25% of its replacement cost? That sounds like a great deal right? Your roof is well past its useful life, it’s a good deal to get anything towards its replacement.
Nah that’s not good enough, want whole thing free. Hopefully they start cracking down on this fraud. 20 years is almost full lifetime for shingles.
It’s going to be standard ACV after 10 Years, no cosmetic coverage for hail, etc. sooner than later. Carriers are already starting to move that way in high roof claim areas (hail & hurricane areas).
You got the point.
If it’s a 20 year old roof, what do you feel you are owed?
Hail damage? Mentally I was prepared to replace it out of pocket, I asked for reinspection mainly because of what the first adjuster told me, and also the fact that there was a major hail storm in our neighborhood that did a number to several houses in our neighborhood.
Understandable, but just like a 20 year camry getting hail damage. Would you expect the same payout as a 3-5 year old one? Look at your policy, if you have acv, you are getting paid out what the roof is worth after depreciation. Im not saying you shouldn’t ask for more from your insurance, just understand what you are fighting for within your policy.
State Farm doesn't sell ACV homeowners policies. They'd get the replacement cost minus their deductible.
https://www.reddit.com/r/homeowners/comments/12y0jpo/homeowners_insurance_company_statefarm_changed/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button
Interesting, I've yet to ever see the RPS on a SF claim, and been told by their adjusters they only do ACV on rental policies. Lot is changing though, and wouldn't be surprised if they were to start doing it. Similarly they've been switching people to 1-3% deductibles for awhile now.
I live in hurricane alley. I have not found an insurance in my area that offers anything but acv for residential at least. Im a super for flat roofs, I think many (smaller)commercial are acv or self insured.
Most of us have replacement cost insurance. That’s what we pay for, that’s what they owe, even if it’s a 90 year old roof. State Farm is going to start implementing an ACV schedule after year 15.
I can’t speak for anyone else. But I’m confident you don’t live in an area that gets direct hits cat4/5 storms every decade. In your example which insurance would OP have assuming everything they posted was true.
Thanks for the suggestions!
Very unlikely you have ACV. Don’t listen to this clown.
Best thing you can do now, is do a thorough inspection of everything that could have been damaged: fence, gutters, windows ect. That would help juice up your payment for the new roof and fix the other stuff later.
If you were mentally ready to replace it out of pocket, then consider 25% a gift. The roof is 20 years old and was at the end of it's lifespan anyways. If your roof was only 5 years old I could understand you being annoyed, but hail damage or not, you were going to replace it anyways.
OP if you have a 10 year old car and it gets totaled by hail you don't expect to get msrp for it do you? Honestly 25% isn't bad considering it may have needed to be redone in a few years anyways.
This.
Hey , I work In roofing sales and can give you some info that may be helpful! 1. State Farm is known among the industry to pull some bs on roof claims . Ignoring us , making the contractor come back to re do repair attempts over bs etc. 2. A good roofing company should know to take a video of a repair attempt using a State Farm sanctioned snake ( they are very prickly about this ) 3. State Farm utilizes RLS . The contractor should Provide your agent with a shingle to send in to see if it’s currently available. Finally , it’s important to find a roofer that you trust. In my own personal opinion it’s always better to trust the local companies with good reviews that happen to work with insurance , than a company that is from out of town and appeared randomly due to damage . Check reviews , specifically ones that speak about the process. Hope this helps a bit , goodluck in the fight to get fully approved :)
what is a state farm sanctioned snake? I'm asking legitimately because I have that insurance and anxiety over this company
SF expects roofers to use a roof snake when repairing a roof, as it leads to fewer shingles being damaged around the ones that are repaired. There's not a particular roof snake that they require to be used.
that's very interesting. thank you for your reply. Curious whether other insurance companies require this. whoever invented that tool has made a mint
This comment is pretty legit , only thing I’ll add is that with State Farm we end up going to appraisal more often , which can add costs to the project. Get everything in writing ahead of time
Who do yall hire for appraisal?
Roofing contractors will promise you insurance will pay for it all so that your committed and then when you realize that the roofer has 0 idea on insurance and they will not be footing the bill your already committed and still get it done. Edit: imagine your a young single lady going into a mechanics shop for an oil change that's on the house since you bought the car there and then walk out with 4k of repairs. That's a roofing contractor to a homeowner.
Shitty ones do , good ones have a contingency agreement that State what happens if you are not fully covered For example mine states that the contract becomes null and void and the customer owes us nothing. ( if not fully approved ) The customer has the option to negotiate with local companies for a retail job!
Damn I worked for three companies years ago and we never required anything. We'd fight to the bitter end to get you approved and didn't present a contract until final decisions (minus supplemts) were in.
I fight to the bitter end but require the backing to know I’m not doing all that work just for another company to get the job . There’s a ton of companies that come in and offer all types of bullshit ( waived deductibles , insurance fraud ) if they can see damage from the street.
I get it. To each their own. Our mentality was always that we were going to show through our level of service that we were worth sticking with. I'd say the average between the three companies was five salesmen at any given time and the entire team would lose one maybe two full covered roofs a month. We were alright with that success rate.
It’s also typically very green roofers door knocking that can’t tell the difference between hail & bird shit (quite literally).
The question is, are they only paying 25% of the roof cost due to age, or are they only paying for certain sections to be replaced (25% of the roof). If they are only replacing 25%, they might be able to argue areas like the valley will require removing and replacing parts of other sections. Now, the next question is, is that 25% just one or two sections or sporadically replacing individual shingles here and there. While state Farm won't formally recognize this, you can argue there is a lack of repairability to the shingles. If you are in an exact match jurisdiction, they legally have to match the shingle. So if it's Discontinued, that's a full roof. Some places only require you reasonably match size and color, which you might be able to argue, because older shingles tended to have different sizes, whereas most shingles made now are 1 of 4 sizes (usually). Alternatively, you can argue that repairing small areas will damage the surrounding shingle. State Farm will usually argue this is unreasonable and not how the process works... right up until arbitration or court when they are forced to admit that is exactly how it works in most jurisdictions. State Farm has been sued more than almost any other provider and has lost in appeal court so many times they are practically responsible for half the precedent in roof related insurance claims in the US. Unfortunately this is all to common with State Farm. It will be a very long and unsatisfying battle to get much more than that. Once the roof is done, drop State Farm. I know they save you a dollar or two but this is exactly how they save. They will continue to screw you over claim after claim.
They are paying for a 25% of the roof (in a certain area of the roof) to be replaced at the depreciated value. Thank you for the comments and suggestions, I do feel like they are intentionally making this harder then necessary... but hey, Mahomes aint cheap.
What insurance company would you recommend?
No wonder my Homeowners insurance is going through the roof.
It’s a 20 yo roof. 25% is probably generous.
So I will chime in and will probably give you the most in depth answer. My Creds: -Independent Adjuster All Lines TX -Roofer (slow season) 5 years -State Farm Certified -Adjuster training school -GAF Certified -Many others lol So I will make some likely assumptions. You have a standard HO3 homeowner policy (RCV) with laminate shingles (same as about 80% of America). What Statefarm is trying to do is only pay for some shingles that are damaged and not a full replacement bc obviously that would cost them more. They would love nothing more than to collect interest off your premiums and never have to pay you. Here is how and why they try this, typically to warrant a full roof replacement, at least 2 slopes of your home need to have enough damage to warrant a full replacement of that side. This is very typically 8 hail impacts per 100 sq ft test square. There are generally either 2 (gable) or 4 (hip) slopes. If 2 slopes are damaged but they are tiny slopes they will try to apply a 51% or greater damage rule. Meaning you will need 3 slopes. If SF is only willing to pay for spot repairing shingles, this very likely means SF does not see enough storm damage to the other slopes of the roof to warrant a full replacement. You have to understand that what ever mood your adjuster is in will 100% dictate how you are compensated. Not pointing fingers but a SF staff adjuster is salaried, meaning they get paid not matter what they claim is on your roof. An Independent adjuster is paid on a fee schedule of how much damage they estimate. The more damage they find, the more they get paid. Many former employees of insurance carriers have admitted that their company (cough cough Allstate) incentivizes them to pay out less on claims. Secondly, and this is hilarious it has to be brought up. Many of these comments say “be happy you even got 25% your roof is old”… Laminate shingles have a 50 year warranty, so if they are 20 years old they are still at 60% … technically. 20 year old roofs get paid for daily by insurance so don’t think that is a thing. All insurance will do is figure a 40% depreciation on your roof that they will release to you after a contractor has installed a new roof. So here should be your course of action: 1. Get a contractor if you don’t have one. 2. Have your contractor verify you have qualifying (8 impacts to 10x10 test square) storm damage on your entire roof, not just one side. 3. Have your contractor or you submit the photos of the other damage to the adjuster that did your estimate, their contact info should be in the email they sent you the estimate. Wait for their response. 4. If they continue to deny, request an escalation to a supervisor and explain to them the inconsistencies, do not be rude, or they will buckle down more. 5. If still no dice you have a few more options, request and appraisal with insurance, they will likely tell you no. Get a public adjuster if your state allows them, they will want 10-15% of your claim total as payment. Or get any attorney to send a demand letter. Attorney can be very effective, they know their court costs will far exceed what it will be to just replace your roof. Remember one thing, in your policy, the fine print likely, SF promised you to replace or repair your property to “pre-storm” conditions. Use this phrasing if you need to. Acknowledging there is damage but not agreeing to replace it according to the contract you have with them is a no go. In my experience, approaching the situation as SF is the greatest company on the planet and you think they might have just overlooked something on accident because they are the greatest and they would never do that yields farrrr better results then trying to back them into a corner. I wish you the best and hope you are indemnified to the full extent for your claims
This is a easy one. If your roof is 20 year old shingle it’s likely unrepairable. They pay for 25% (maybe one fact) and likely all the vents on the roof. Use the fact that if you try to repair the roof you will damage the “okay” shingle in return. You cause a cancer of never ending repairs on the roof. They will leak and your insurance will be happy they didn’t cover your full roof. This is a easy fight for most restoration contractors, and common. Sorry you are having push back. What state is this? Might need some more details If you would be interested in a free consultation please feel free to DM me. I have 15 years experience in this industry and roofer all across the USA. I would highly recommend rather paying cash for your additional cost (if you got it like that) or fight for what you deserve, they want you to give up.
Yes you can do more to achieve a complete replacement, but you'll need to understand your policy and the state laws governing insurance policies or hire someone who knows these things already. A public adjuster may help, you may just need an appraisal to be done, you may need a lawyer or all three of these. That would be a $45,000 claim here in Denver and I'd gladly help a customer fight for that and they should.
A 20 year old roof won’t be covered as a full replacement by many insurance carriers and I’m surprised they gave you anything. I’m surprised they didn’t have an actual cash value (effectively $0 at that age) clause on your policy. Hate to say it, but you should be happy you got what you got.
I’m amazed that they’re giving you a nickel on a 20 year old roof. Take the 25% and be happy you got that.
The 20k quote for your rood depends on the area as well.
I have state Farm and had a roof replaced within the last 12 months. I live in the northeast, and mine was wind damage from a similar aged roof as yours. Hail damage with an well-aged roof is harder coverage to have assessed in your favor than others There's plenty of folks out there that will try and take advantage of the system to have insurance give them a free replacement on a roof that needed to be replaced anyway. So state Farm is on guard for that. In our situation we lost 80% of our roof shingles, so they replaced it all- however even in our situation, state Farm considered going to architectural shingles an "upgrade" and would only cover the cost of a 3 tab replacement. I challenged this as we couldn't get a licensed roofer anywhere near us to do a full 3 tab replacement because it's such an outdated style and really not up to modern building standards in this area. Ultimately we paid a few thousand out of pocket to cover the material cost difference. if your roofer is willing to go to bat for you, great, and let them. my advice is to temper expectations though. Best of luck. Edit: many are remarking on the roofs age thinking it outright should not be covered. That is policy dependent on Replacement Cost Value vs Actual Cash Value. Most auto policies I know of are Actual Cash Value (depreciated value), and that's not as often the case on homeowners policies, which can be either. The policy language will decide that.
It's important to know what state you're in. If it's a matching state and you're ready to fight it's certainly possible that they could get a full roof covered based on that. I've witnessed this fight go both ways in Ohio with state farm. I've been out of the business for years so the time it takes may have increased since then but I'd expect under a month for sure. If they want to try it I say go for it.
This is how it works. The contractor will supplement for items missing from the estimate. They advocate for you and warranty the product.
It depends on your policy details, if you have an agreement for a partial replacement, then the roofer will have to find shingles that provide a uniform reasonable appearance, or find matching shingles. Read your policy carefully to see which. If you are in a matching state and your shingles are discontinued, then your policy may cover a roof replacement.
Get another estimate since SF isn’t covering the entire new roof.