On 9/14, Hurricane Ivan did severe roof shingle damage, as well as other damage to the skirting, the rear porch roof and the piers that my mobile home sits on. I filed a claim on my policy on 9/17 by telephone, at 1-800-547-8676. Their adjuster, Robert Hall, came on 10/02 and told me I was covered for complete re-shingling of the roof, full coverage for replacement of all skirting and full coverage for the estimated cost of replacing the rear porch roof.
I had an Alabama licensed roofing contractor give me a written estimate to make the necessary replacement of the roof shingles. He stated that the damage was too severe to do a patch job and that he would only do a full new shingle job. His written estimate was $5,100. I gave the estimates to Mr. Hall. He said no problem, thanked me for getting estimates for all damages and then left. On 10/16 I received a check from Allstate Insurance that included an allowance of $1,830.54, with instructions to have the roof shingles patched. I have a replacement value insurance policy with a $250 deductible, and my other damaged items were compensated at the full amount of the estimate I gave Mr. Hall. Why is Allstate Insurance Company not paying the amount needed to do the complete job on the roofing shingles?
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