Allstate paid $9,180 to spot-repair two slopes of our 14-year-old roof after the April hail storm in Collin County, Texas, refused the other slopes because their engineer called the damage "cosmetic granule loss inconsistent with hail impact" while four houses on our street with the same builder-grade shingle got full replacements from three other carriers, then their own approved repair collapsed when the shingle turned out to be discontinued in 2019 with no compatible match, and their written answer to the matching problem was an offer to have the new shingles "color-blended by brush application to minimize visual difference," a sentence i had to read four times to believe. Forced a $24,800 full replacement plus $2,100 in code-required decking and drip edge using the discontinued-shingle matching framework: the test square protocol, the ITEL report, the engineer rebuttal, the appraisal clause invocation, and the TDI complaint that moved the umpire. the complete 10-week playbook from partial denial to certificate of completion.
the storm came through on a wednesday evening in april, seventeen minutes of hail that started at pea size and finished at golf ball, and by thursday morning our street in Collin County looked like a...