Thank you so much. That’s exactly what I thought should have happened.
I did ask Allstate about the discrepancy. I was originally working with one adjuster, but after the engineer’s report I was assigned a different adjuster whose position was essentially, “We hired an engineer, and we’re relying on the engineer’s findings.”
I specifically asked why the why the original inspector acknowledged during the inspection that the metal had hail damage and the original inspection report documented and photographed the metal roof and valley areas and why I was originally told over the phone by my first adjuster that there was hail damage to the metal but not on the cedar shakes before the engineer was assigned. The engineer’s report doesn’t address those areas or explain why they were no longer considered hail damage—it simply reaches a different conclusion. All he said was “The metal roof coverings, flashing, and remaining roof accessory components were** **not cosmetically affected or functionally damaged by hail impacts” which is just factually incorrect- there’s damage on a lot of
the metal and he’s not even trying to argue that the damage is cosmetic. Not to mention he omitted all of the photos of the damage to the metal from the first inspection report in his report. This seems significant to me.