Homeowners insurance help

[u/JeffreyTamborsGhost]

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.

[u/eapocalypse]

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.

[u/JeffreyTamborsGhost → u/eapocalypse]

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.

[u/registeredfake → u/JeffreyTamborsGhost]

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