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So, the roof is so old, you can't repair it. That tells me the roof is so old, it's pretty much ready for re-roofing, anyway. If I heard correctly, the roof has been on 20 years, and the shingles are rated for 25 years. So, four/fifths of its life expectancy has already expired, right? And now the homeowner expects no depreciation in value for their roof? I hate to say it, but I'm siding with the insurance company on this one.

No one ever wrecks a 20 year old car and expects to get the insurance to pay for a brand new car.

My son works as adjuster. Most of his calls are from people that did not maintain their homes...and want insurance company to pay for the damage.

Well she needed to buy a new roof in a few years, and 25 yrs isn't a guarantee anyway, it seems that the roof failed due to age, so why should she get a brand new roof? At least it should be pro-rated.

So in other words it's a roof that has reached the end of it's life and the homeowner wants Allstate to pay for a new one. Nice.

That's nothing, I know a neighbor with Citizen's and they denied her claim to replace her roof when on one slope she says her roofer counted 48 missing shingles and the insurer's adjuster counted 56 missing shingles. Insurance Industry should changeit's name to the LEGAL SCAMMING Industry.

Insurance is designed to take you’re money and not pay out

All the insurance carriers need to be charged for racketeering

Siding with the insurance company. This should be replaced because of age. This is another example of a homeowner who expects insurance to replace something that’s worn out. As you said, it’s so old. Homeowner replace it, please. People like this cause skyrocketing insurance costs.

Insurance and roofing companies are all scam artists we need to ban 3 tab roofing and any composite asphalt roofing and enforce a 300 mph wind code and 200 mph hail pea,golf ball and baseball size hail,code and foof and eve must take 3500 f heat for 24 hrs. That way stop putting on cheap roofs for massive amount of money.

All Snake. These insurance companies don’t end up with domes and bowl games named after them by paying claims. They make it by homeowners paying in for years and then them not replacing the roof when it’s damaged. Customers think insurance companies will just always take care of their roof and that’s definitely not the case. I’ve been in the roofing biz for over 15 years and I am at the point that I don’t even do storm work anymore. Unless it’s for someone I know. Too much headache and juice isn’t worth the squeeze for me. Glad you guys are trying to keep ‘em honest! Best of luck with your business this year!

Allstate: We care! (About our bottom line, not you.)

When someone says you're in good hands, check them.

My neighbor had hail damage on a roof that was under a year old. Insurance co didn’t want to replace the roof, so they sent their guy out to patch it. According to her, their guy used the wrong kind of nails ( I suspect he nailed them in wrong ). After nearly two years of the repair leaking in the center of the house, her insurance ended up paying for not only a new roof, but new walls & new tile that had to be replaced.

It’s hard to get a full roof replacement due to wind damage shingles unless it’s a hurricane. Copious amounts of damage would need to be observed to warrant full roof replacement. Hail on the other hand basically 8 to 10 hits in a 10 x 10 test sq on multiple slopes, ridges valleys, etc. with collateral damage observed to the soft metals such as turtle vents, rain caps and gutters nine out of 10 will get the roof fully replaced. There is a lot of granular loss on the roof, which is wear and tear and not covered under the policy provisions. The wind damage shingles has to meet the deductible. Once the deductible is met to perform a repair they will probably advise the contractor to attempt a repair if they’re asking for full roof replacement.The contractor can then submit a video showing the brittleness of the shingle tearing, and then the adjuster can write a narrative using the video documentation, provided basically stating due to the age and condition of the shingle it makes more economic sense to allow for full roof replacement. You can make that argument very easily with the condition of that roof, if the damages of the initial inspection or reinspection warranted a slope replacement.

is that roof insured for "age" damage or storm damage ?

I love Watching you guys take the insurance company's to task.... Keep up the good work.

I’m an adjuster and I can tell you I try to buy as many roofs as I can because it’s less stress and arguing back n forth with customers and contractors. The fact that ppl think we just like to deny claims u justly is crazy. The more I deny, the more headaches I gotta deal with so….

There is a reason why all these insurance companies are pulling out of these markets. People let their rooves go for 15 or 20 years and then want their insurance companies to pay to replace them.