Our neighborhood experienced severe hail 8/23/2013; everyone in the neighborhood is having their roofs replaced. We have a 20 year old wood shake shingle. Our State Farm agent discouraged us from even having a claim adjuster come out and look at it - telling us that it will be a black mark on our policy even if the claim is denied. A State Farm affiliated roofer said it was a 50/50 chance claims adjuster would replace the roof. It seems unfair that it would be a negative mark just to have a claims adjuster come out. We have always carried replacement value on our State Farm homeowner's policy but I noticed a few years ago State Farm added a roof cash value only endorsement to our policy. Do we have a say in whether or not the roof is insured at replacement value or cash value?

About The Expert

Amy Bach

Amy Bach has been a professional advocate for insurance policyholders since 1984 and an attorney since 1989. She co-founded United Policyholders in 1991 and serves as the organization's Executive Director and primary spokesperson; shaping and overseeing the Roadmap to Recovery™, Roadmap to Preparedness, and Advocacy and Action programs. She is a nationally recognized expert on insurance claim and legal matters; frequently interviewed in print and broadcast media, and the author of numerous publications including "The Disaster Recovery Handbook", "WISE UP: The Savvy Consumer's Guide to Buying Insurance" and consumer tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach is in her eighth consecutive term as an official consumer representative to the National Association of Insurance Commissioners, and is a member of the Federal Advisory Committee on Insurance.  In 2019, Bach was appointed to a 3 year term as a member of the American Bar Association Standing Committee on Disaster Preparedness and Response.