Can an insurance company require a homeowner to patch a hail damaged roof with a shingle that has been discontinued and is in limited supply?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 9, 2013

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Insurance Question from Edmond, OK

Asked on 02/09/2013

Can an insurance company require a homeowner to patch a hail damaged roof with a shingle that has been discontinued and is in limited supply? An insurance adjuster from our insurance company inspected our roof for hail damage. The manufacturer has discontinued production of our shingle and it is in limited supply locally and nationally. The reimbursement is for patching only. Can an insurance company require us to patch our hail damaged roof with this shingle that has been discontinued? If the patch work isn't done correctly and we need additional repairs, the shingle might be impossible to locate. HELP

Answer given on February 18, 2013

If your roof is damaged and only needs a patch repair, the adjuster will try to find a matching shingle so the patch won’t be as obvious as it may be if a different style shingle is used.You should talk to the adjuster and see if you can use a different shingle if the cost is similar or the same as the shingle he is recommending be used. He should be willing to work with you in this situation. He may be concerned that the different shingles may not work as well together as they should, and he may not want to have a leak concern due to that.If he is not willing to work with you, ask to speak to a supervisor. Explain why you want a different shingle and say you understand that the item may not match colorwise, or style wise.

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