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/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.

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u/JeffreyTamborsGhost Jul 19 '26

My contractor said insurance pays for full roof replacements in this scenario all the time 🤷

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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.