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. While practicing insurance regulatory law and representing clients in litigation matters, she co-founded United Policyholders in 1991. Bach migrated from the private practice of law in 2005 to become the organization's full-time 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 legal and consumer publications including "The Disaster Recovery Handbook," "WISE UP: The Savvy Consumer's Guide to Buying Insurance," and tips and guides in the UP Claim Help Library.  Recognized by Money Magazine as a Money Hero, Bach has served as an official consumer representative to the National Association of Insurance Commissioners since 2009 and is in her second term as an appointed member of the Federal Advisory Committee on Insurance. She also currently serves on the American Bar Association’s Standing Committee on Disaster Preparedness and Response.