The above house is where all of the pictures in the “Deficiencies and Issues” post came from. State Farm paid for the customer’s roof.
State Farm and most insurance companies adhere to the Georgia Insurance Commissioner’s directive stating that Insurance companies have to replace the entire roof if there is any storm damage present (hail, wind crease, or missing shingles). For State Farm, Amica, and many others, if there is one wind crease, hail hit, or missing shingle on the entire roof, they will pay for a full replacement. This is due to the fact that Georgia is a “Like Kind and Quality” state. There are no shingles available that match the dimensions of Atlas Chalet’s, Certainteed Horizons, and the like. Because of this, the only way to meet Georgia’s standards is for the customer’s homeowner’s insurance company to pay for a full replacement.
There are only two major insurance companies who choose no to comply with this directive. Allstate and American Family are those two. But there is hope. These two companies have been fined by the state numerous times regarding this matter and as of early 2018, they have seemed to have made their policies somewhat more lenient. We have gotten a number of roofs approved through Allstate and American Family in 2018. They still require a lot more damage than the average insurance company does, but with the last Atlas Chalet roofs being put on in 2010, the aging roofs usually have enough damage to get them bought. If you one of these two insurers, please call us and discuss your numerous options when dealing with defective shingles.
Blackstone Roofing’s salespeople are experts at the insurance claims process and know what each insurance company looks for in order to approve a claim. We can assist and advise you when you should and shouldn’t file a claim. Send us an email or give us a call at your earliest convenience if you have any questions or would like to setup a hassle-free appointment.