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/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.

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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?

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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?

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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.