Beware of State Farm
BLOOMINGTON, ILLINOIS -- We were 1 block away fromthe touchdown of a tornado on April 3, 2012. We sustained Wind and Hail damage to our roof. State Farm only wants to replace the West and North side of the roof and repair and patch the South and East side.
They are doing over 1/2 the roof, but refuse to do any more. This roof will not match the existing roof. I don't want a patch job. This will look terrible and I will never have a nice or consistent looking roof again unless I pay for it. I thought replacement value insurance would put us back in the same position before the damage.
They told me they don't have to match the existing roof and basically it just has to be functional. Don't trust State Farm to do the right thing and go over every detail of your policy. I thought we were covered for this type of loss. 12 years and never a claim, first time trying to get them to pay and it is a tough luck.
By the way every other home that has a roof replaced in our neighborhood has had the insurance replace the roof.