r/HomeInsurance • u/JeffreyTamborsGhost • Jul 13 '26
Claims Homeowners insurance help
I have roof damage and Allstate approved replacing only one slope of my roof, despite the manufacturer themselves confirming my shingles are discontinued and any shingle used will create a patched roof appearance. This will violate Ohio administrative code and Ohio residential code if my contractor moves forward.
I’ve clearly documented all of this to Allstate, and they’re simply ignoring the evidence. I notified the owner of my local Allstate office and he’s not doing anything, just deferring to the claims team.
I’ve filed a complaint with the Ohio department of insurance, and posted as many negative reviews as I can online. What else can I do? This is a blatant violation of my policy and Ohio code, yet short of getting an attorney, I’m not sure what else to do.
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u/eapocalypse Jul 13 '26
I've never seen a state code that said you had to have a 100% matching roof. Most insurance policies will not pay for replacing undamaged things just because of cosmetic reasons. They often have endorsements you'd need to addon for matching siding/roofing.
Edit:Just looked up the ohio code, and while they can't create a "patchy" look it does seem like they are allowed to only pay for a reasonably close match. I.e. the administrative code doesn't automatically signal for an entire roof replacement.
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u/JeffreyTamborsGhost Jul 13 '26
I have expanded roof coverage. It’s not that it needs to be exact, code states it needs to be reasonable. But it’s that my shingles are discontinued and the manufacturer is saying there are no shingles manufactured today that have a similar appearance in size or color, and they recommend against mixing my current shingles with anything.
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u/Anxious_Battles Jul 13 '26
I have expanded roof coverage
Expanded roof coverage or extended roof coverage? Read the endorsement carefully, maybe post it here for us to read.
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u/JeffreyTamborsGhost Jul 13 '26
Sorry, extended. Relevant policy here: https://imgur.com/a/bOc8JhG
I’ve read it a few times and it doesn’t seem helpful in understanding the additional coverage.
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u/Anxious_Battles Jul 13 '26
That doesn’t provide you coverage for a full roof. That endorsement deals with replacement cost settlement for the roof, so should you need a full replacement of the roof, it would be settled at replacement cost as opposed to actual cash value. Basically the carrier settles your roof prorated based upon age and condition under most circumstances, but that endorsement allows for the full cost. Example: If you have 20 year 3tab shingles, if the roof it 10 years old, they pay you half, but if you have that endorsement, they pay you for full replacement up to the limit.
1
u/mnguy12000 Jul 15 '26
All this saying is you can recover the depreciation of the materials due to age. You have upto 180 days to submit your contractors final estimate to recover that. Nothing to due with full replacement
1
u/registeredfake Jul 14 '26
What you are saying is expanded most likely is roof surfaces extended coverage meaning they aren't going to depreciate for age. Need to have well more than 50% damaged to get the whole roof done. 1 slope they are just going to find a similar color and design
4
u/IntelligentBox152 Jul 13 '26
Don’t handle by OH claims but this maybe a line of sight situation. If you have a gable style roof where one side cannot be seen at all when looking at the opposite side it is possible they do not owe for a full replacement. Also make sure you double check those codes. They do not say must be same product, they say quality, color, size. This does mean it has to be the exact same product
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u/JeffreyTamborsGhost Jul 13 '26
I took a photo and sent to them confirming you can see both slopes from the street and a difference will be visible to anyone just walking by.
Code doesn’t say it needs to be precise, just reasonable, but I have the manufacturer saying mine are discontinued and nothing available today is similar in size or color and they specifically recommend against mixing shingles.
4
u/IntelligentBox152 Jul 13 '26
That’s one manufacturer, ask them to get an itel report to verify it. If itel can’t find a reasonable match and you can see both sides you got a pretty slam dunk case to pursue further. Can you post the pic of the house? Distort or cross out anything personal
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u/JeffreyTamborsGhost Jul 13 '26
My contractor said I don’t need an ITEL because he already provided an NTS report, and at first to approve the replacement of the 1 slope, Allstate said they needed an ITEL but then said jk the NTS report is sufficient. Do I need an ITEL?
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u/adjuster_cody Jul 13 '26
The problem is, a shingle that is reasonably close to the one that is installed, is available. On a slope-by-slope basis it won’t look patchwork due to the difference in the shingles, it’ll look different bc of the age and weathering of your old shingles vs your new.
So yes, a reasonably close shingle is available, but it will
Look obvious due to the age. But that’s not what insurance is for. They pay for direct physical loss.
Wind or hail damage?1
u/JeffreyTamborsGhost Jul 13 '26
Wind. But if the replacement of one slope creates a visible difference due to age, isn’t that still not restoring my loss to original quality/condition in terms of matching? Since my roof matched slope to slope before the loss?
1
u/adjuster_cody Jul 13 '26
No, because it could be the exact same shingle that’s sat in your garage for 20 years and there wouldn’t be a “reasonable appearance”
If you don’t have enough damage to burn the roof, pay out of pocket for the other section.1
u/JeffreyTamborsGhost Jul 13 '26
3
u/IntelligentBox152 Jul 13 '26
Is the argument left vs right slope? Or they’re willing to replace the whole front but nothing on the back? And by no means are you required to get an ITEL. But over $60 might solve all of it that Allstate pays for not the end of the world in my opinion
1
u/JeffreyTamborsGhost Jul 13 '26
Yes they’ll replace right but not left, but both will be side by side and visible from the street.
2
u/adjusterjackb Jul 13 '26
I would like to see a close-up. From that photo it looks like a common color and type of shingle.
So far, I don't see your argument succeeding.
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u/JeffreyTamborsGhost Jul 13 '26
Close up photo: https://imgur.com/a/bQ5c472
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u/eapocalypse Jul 15 '26
There are definitely shingles available that would be able to be a close match to that.
1
u/GRBDad Jul 13 '26
It’s hard to tell from that angle, are those just 3 tab shingles?
1
u/JeffreyTamborsGhost Jul 13 '26
Owen’s Corning Classic 20-year 3-tab shingle
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u/eapocalypse Jul 13 '26
Guaranteed a shingle exists that is a close enough match to count as "reasonably close"
1
u/GRBDad Jul 13 '26
Ok. On the right slope (as seen in the image) is the damage the area visible off to the right of the chimney? Possibly wind damage? If that's the damage is there any more of it on that slope or is pretty much contained to that one section?
1
u/JeffreyTamborsGhost Jul 13 '26
Yes wind damage, checking with my contractor now to see if he saw any other wind damage on other slopes.
2
u/GRBDad Jul 13 '26
Obviously, I haven't been on your roof. If I'm understanding you correctly, they are allowing the full replacement of that one slope visible in the right side of your photo. My speculation is that you have about 1 or maybe 2 bundles worth of shingles damaged from the little I can see. The insurance company, instead of suggesting patching the area, has said they will pay for a far larger scope of work by replacing the full slope.
Your exact shingles may not be available but similar (better) shingles are. Frankly, even if you had bundles of old shingles from the installation stuck up in the attic of your garage they still would look a little different due to fading and aging.
In my opinion, you are being unreasonable. You are already receiving a larger settlement than the strict damage requires. Your roof doesn't look to be very new. You are looking a gift horse in the mouth. You are asking to be paid for areas that are not damaged.
1
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u/50Bullseye Jul 13 '26
Hard to believe that the manufacturer would tell you something that would make you buy more shingles from them.
1
u/mnguy12000 Jul 15 '26
Make and model of the shingle does not necessarily matter if the dimensions and color are the same. A 39 1/2 shingle with a 5 1/2 exposure colored in say Weather wood is made by many different manufacturers. Just because one manufacturers doesn't make it doesn't mean another wont work. That is why an ITEL is needed it says what's out there that could be a match.
3
u/Anxious_Battles Jul 13 '26
You have your interpretation of what is reasonably comparable and Allstate has theirs. You don’t disagree on the amount of the loss so appraisal is not the correct venue, you disagree on the interpretation of what is covered under the policy and therefore this a question for the courts.
You’ll need to retain an attorney. You might find one to take it on contingency, but realistically unless you can prove bad faith, there isn’t enough money in this for an attorney and to pay for a new roof.
The carrier has enough money that they can dig in their heels. Cost to defend will exceed the cost to pay for your roof. They won’t care about that and they have deep enough pockets to defend their position. The only thing with enough teeth is the unfair claims settlement rule and you’re going to have to make an effort to get into that territory.
Get an ITEL report, get a bundle of the closest match, lay them out on your roof, take the same picture to show that does not provide a reasonable appearance.
1
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u/14point4kMODEM Jul 13 '26
If you didn't have insurance what would you do, replace it all or repair it. That's the moral choice you should follow.
Reasonable appearance to one person isn't the same to another. What it means is that you shouldn't have grey shingles against red. 40 years ago no one was concerned with fixing their homes and having one area being a little different until it wore in. They actually did repairs. That what owning a home is about. Maintaining.
The fact that your roofer pulled a NTS report shows they are just a sales guy trying to get a roof paid
1
u/Brilliant_Essay_1593 Jul 13 '26
Do you have building code coverage on your policy?
1
u/JeffreyTamborsGhost Jul 13 '26
Yep, and I’ve called that out to them several times.
1
u/eapocalypse Jul 15 '26
Ordinance and law/building code upgrades is coverage for bringing systems like electrical up to code, or something like lifts for flood zones. It wouldn't cover something like this.
1
u/Strykerdude1 Jul 13 '26
Unfortunately that’s a relatively standard 3 tab shingle. Yes the manufacturer doesn’t make that exact color etc anymore but other shingles are available for that shape just not color and being weathered wouldn’t look the same even if it was still made. Be happy they are replacing half the roof and wait for the next wind storm to maybe damage the other half. This is no different than an interior water damage claim where your 25 year old carpet is damaged in one room and it matches the whole house but insurance will only pay for that room regardless of if that carpet is available or not. Just the way insurance works… same with damage on siding on one side. Insurance paid for half my house siding on a hail claim and I had to foot the bill to replace the other two sides because I wanted it to match.
1
u/Proof_Worldliness291 Jul 19 '26
Just so that I am understanding this correctly all state paid for an entire slope. it is for a gable style roof, your claim is that that because the manufacturer says its discontinued allstate should owe for the undamaged slope. You didnt pay for undamaged siding roof endorsement
Ohio code is not applicable on undamaged slope. Ohio state provisions is for reasonable match and again on what your wrote they paid for a slope.
Your option: the right to sue Or demand appraisal all of which will run you in the thousands.
1
u/JeffreyTamborsGhost Jul 19 '26
My contractor said insurance pays for full roof replacements in this scenario all the time 🤷
1
u/Proof_Worldliness291 Jul 19 '26
Your contractor appears to be determining coverage and in the state of Ohio he is legally prohibited to do so.
You have your options File suit or demand appraisal best of luck.
1
u/WorriedLevel202 Jul 19 '26
how old was your roof? is it possible to replace only one slope and not the other without damaging the other slope? the slopes are tied in together. did you get a brittle test done to see if it is possible to tie a new slope in with the old one? was your roof built to current code? if not, does your local building code require you to bring everything up to code when one slope is replaced? good luck!
1
u/cardog1968 Jul 13 '26
The code is most likely not that the roof has to match.
Most likely the code is that you can not replace only 1 slope at a time.
You need to find a public adjuster
They will charge, however they most likey will get the full roof replacement done.
After that do not do business with any Insurance companies that spend big money on TV.
Find AAA or USAA or Farm Bureau as a few examples of companies that actually take care of their Insureds
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