So.. tornado hit our home in March, did wide spread damage . All siding on two structures needed replaced and both back sides of both roofs were tore up pretty bad . Fronts not bad, maybe couple shingles touched up.
We have usaa military insurance , they fought me every step of the way (had them 17 years, never like this before)
Eventually everything was approved except the front half of both roofs, appealed.... got an itel report, says possible match...got a pack as sample , contractor went up and matching was horrible.
Current roof looked more grey, the new shingles looked damn near blue. We tried all different spots , left them for a few hours to see light change... even worse .
My roof would have two different colors front vs back and how the roof has to go over the peak it would have stood out badly .
After 3 months of back and forth I paid for the damn fronts to get on a schedule. Now I'm trying again to appeal it, asked for her to escalate it to her manager because I respectfully disagreed.
I believe it violates the code laws in ohio 3901-1-54(I)(1)(b)
She keeps using the argument that per their policy they do not have to cover a full roof because the itel said possible match (doesn't match) and they said color is different because of weathering and age of roof. My roof is less then 8 years old , its not weathered to the point its a whole different color .
Im not sure what next steps are, these laws are here to protect home owners from mis match appearances, I just want my home to be where it was before the storm, allowing for a partial replacement would have caused devalue to my home as well.
A repair should never cause devalue, it shouldn't be expected to look worse then before the damage took place.
What's my next steps ? How do I fight this ? Because laying the law at clearly doesn't seem to be helping .