Name:   MartiniMan - Subject:   Martini's Roof Replacement Date:   3/30/2023 10:29:22 AM

They mostly covered the cost of the new shingles (except we upgraded to composite shingles for around $800) but the interior work (removing popcorn ceiling and repairing some damaged drywall) they would reject certain cost items that all the contractors included in their cost estimate.  On the deck roof they did pretty much the same thing.  I had multiple bids just for the R&R to original condition and the lowest was $40K, the rest were around $60K.  The insurer would only pay $30K (including recaptured depreciation once the work was done). 

They just kept claiming that a bunch of line items that were in all the estimates were magically included in other tasks.  I just got tired of the back and forth, which is exactly what they do.  Interestingly they paid the entire cost for the initial covering of our roof but then when we gave them an estimate from the same contractor they sent to us for the initial work they told us they were adding costs that were not reasonable.  All the contractors included all those costs.  Just insurance company BS.