walked Allstate from a $6,200 "cosmetic granule loss" hail damage offer to a $34,800 full-replacement settlement on my 2018 architectural shingle roof in Colorado. full playbook - EagleView measurements + roofer supplemental + threat of appraisal clause invocation. writing this up because the initial denial letter almost convinced me to just accept it.
wanted to share the full arc of this claim because the initial Allstate position was aggressive lowball and i almost accepted it. hoping this helps other Colorado homeowners dealing with hail damage...