State Farm paid only part of my hail-damaged roof and depreciated it even though I have replacement cost coverage. What are my options?

Many home policies with replacement cost coverage pay in two steps. The Texas Department of Insurance says most companies pay with two checks. The first check is the repair estimate minus depreciation and your deductible [1]. The company then sends a check for the amount it kept for depreciation. This happens after it gets the bill for the finished job [2]. You usually must finish repairs within a set time, so ask your adjuster how long you have [3].

If you think the amount is too low, tell the company why [1]. Talking to the company or the adjuster may fix it. Send your own repair bids and photos. Ask for the roof estimate in writing.

You have other options too. An appraisal is for disputes about the amount of your claim [4]. It is not for disputes about whether the policy covers the loss. You may also hire a public adjuster [5]. Public adjusters work for you and charge fees [6]. You can also file a complaint with your state insurance department. In Texas it must be in writing [7]. Your own state's rules and your own policy may differ.

Open your policy and find the roof loss settlement and appraisal sections. Read your claim letter for the depreciation line. These sources come from Texas; your state may have other rules and deadlines. We did not read the State Farm policy text — "Don't know yet".