Date

Claim #

Date of loss

Homeowner’s name

Homeowner’s address

To whom it may concern,

I filed claim #12345 after my home sustained wind damage from a recent storm. My [# year old] roof was damaged by wind with multiple areas losing shingles, zippering, and coming unsealed, requiring replacement to restore my house to pre-storm condition.

It is my understanding that with my homeowner’s policy, it is your contractual obligation to restore my home to pre-storm condition in the event of a loss such as mine. To my discontent, your adjuster is suggesting that only a partial repair be made to my roof due to wind damage. This would be perfectly acceptable if a like kind and quality of material was available in my market so that it were possible to achieve a reasonably uniform appearance in the line of sight, but unfortunately that is not the case. My contractor, (contractor’s name), took the liberty of investigating the availability of any such similar product by filing an ITEL report (see attached), which came back concluding that the material and style of shingle that is on my home is no longer manufactured, and no such like kind or quality material that meets my satisfaction exists at this time.

Not only would this different product not blend in adequately with the existing roof covering, but additionally it would void the manufacture’s warranty on both the existing and newly replaced shingles. Ordinance of law coverage requires that all materials on the roof be “compatible” with each other. Because of the age, color, style, and material of my existing shingles, it is not possible, reasonable, or feasible to achieve reasonably uniform appearance with any other product, as no such product currently exists. Therefore, apart from asking my contractor to cut and fit, piece by piece, the new shingles to attempt to imitate the size, thickness, and applique of my existing shingles which completely voids my warranty, I see no other suitable option but to replace my roof wholly.

The warranty of my roof is a tangible financial instrument that has been damaged in the event of a covered peril according to my policy. A repair that does not bring my property back to a pre-loss condition of having a valid existing warranty would be improper indemnification for the loss. What your adjuster and company are suggesting I do fails to restore my home to its original condition OR indemnify me properly for my loss. I think that in good faith under my contractual policy with your company, I should be indemnified to achieve reasonably uniform appearance with the shingles on my home.

This letter is to inform you that I do not agree with nor accept the estimate/scope I have been provided from (insurance company & adjuster’s name). I feel that the full roof replacement you are refusing to indemnify me for is completely legitimate in lieu of the above information and issues, and I was made to believe via the agent of your company that sold me my homeowner’s policy that my coverage would cover losses of this nature wholly.

The literature and estimate provided to me from you states clearly that if the original estimate you provided did not suffice, I was to reach out to discuss the matter. It does not appear to me that [adjuster’s name] nor [insurance company] are acting in good faith in regards to my claim and coverage if they are not willing to indemnify me for a full roof replacement.

This is my final attempt to settle this claim and its scope without involving the state insurance commissioner or bringing the matter to appraisal, a right that is outlined in the conditions of my policy. If we cannot reach an agreement on the proper and whole replacement of my siding in a timely manner, I hereby invoke the right to bring a third party into the matter to settle my claim to ensure I am indemnified fairly for my loss, and fully intend to take legal action if necessary if this matter is not settled between (insurance company) and myself by (3-7 days from today’s date).

Please speak directly with my contractor (name, email address, phone number) if you wish to negotiate the final scope and price. Otherwise, please name your independent appraiser and instruct him to contact my appraiser in the time limit allowed. If you have any further objections to my request, I would also like to request that you submit to me in writing the specific grounds by which my full coverage is being denied, as well as to provide me the specific language in my policy that supports your denial of coverage.

Your prompt attention to this matter is appreciated, and I would like to hope we can reach a fair settlement and compromise on both sides in a timely matter.

Thank you,

(Homeowner’s name)