Discontinued Shingles Claim in Arkansas

Working on a roof claim for wind damage.

Allstate approved a repair, wanting us to patch the roof with shingles that do not match.

I called them letting them know that the shingle is discontinued and that we needed to replace the entire roof in order for the roof to be uniform. They outright told me that they do not pay for matching and that was that. In this storm, I had 2 other Allstate roofs approved 100% due to discontinued shingles after originally only being approved for repair due to wind.

I explained that to the person on the phone but she basically told me she did not care, that this was a different claim.

I just sent a shingle to the lab to get examined, hoping that if they don’t pay for the entire roof, they pay fair for the repair, since it is Gaf Timberline Ultra HD on the roof.

Any tips on getting this Allstate claim in Arkansas approved for full replacement?

What has worked for you?

I’m just shocked and confused about why they would approve two other roofs a few blocks away, in the exact same situation as this one that they are refusing to pay for. On xactimate it came back as being a $30,000 roof, size height and pitch having a lot to do with it.

I don’t have any good advice for you, Authentic Dad would be most helpful, but am curious which GAF Timberline Ultra HD product has been discontinued. Thanks.

The first thing I would do is attempt the repair for a couple of shingles with the closest match you can. Chances are decent the shingles are brittle and non repairable since they’re discontinued. Video tape your attempt to repair. Assuming this is true, you can upload that to YouTube so you have a link you can send to the HO’s Agent and make available to Allstate.

Then provide the HO with an Xactimate. In the header of the Xactimate, note that a repair was attempted and found that the shingles adjacent to the shingles needing repair were damaged in the process. And when you attempted to repair those, more adjacent shingles were damaged. Therefore, it is not feasible to make repairs and the only sensible solution is to completely replace the roof.

Have the Homeowner send this to Allstate along with the link to the YouTube video of the repairs. Now the HO needs to work their way up the chain of command at Allstate until they get them to send out another Adjuster. Usually, a manager will come out as well. The HO just has to keep pushing and raising hell in order to get the attention they need. You may also check the laws for appraisal in Arkansas to see if this type of problem can be resolved with Appraisal.

The key here is this is a policy/coverage issue, not a Contractor issue. The HO has to drive this, not you. They have no legal obligation to you, they don’t even have to talk to you. They do have to deal with the HO whom they have a contract with. The HO should also document this with the State Department of Insurance. In other words, be the squeeky wheel. It will eventually get greased.

Finally, the key words are uniform appearance, not matching. They do owe to make the repairs uniform in appearance and to indemnify the HO. Have a local Real Estate Agent write a letter to the HO noting the repairs that result in a non uniform appearance are causing the value of the house to decrease which means Allstate is not indemnifying them from loss.