Hail Damaged the Roof, but the Insurer Disputed Replacement. How a Kansas Owner Challenged the Decision

WICHITA, Kan. — A Wichita homeowner will receive $41,500 for a full roof replacement after an appraisal panel rejected her insurer's offer to patch a few hail-damaged sections.

The insurer had offered $6,200, saying most of the roof was undamaged.

The roof's shingles were no longer made, so patching would have left a mismatched roof that the homeowner said would leak.

Rendessa Law brought in an independent roofer and engineer who documented hail strikes across every slope, and invoked the policy's appraisal clause.

The appraisal panel set the loss at $41,500, and the insurer paid.

The homeowner paid her deductible and half the appraisal costs.

Many property policies include an appraisal process for disputes over the amount of a loss, which can be faster than a lawsuit.