Had a similar thing happen when my garage flooded and insurance tried to lowball me on replacing the interior of my classic Jag. Adjuster was nice enough, but clearly had no clue why vintage leather seats cost more than IKEA couches. Ended up politely pushing back with some receipts and photos, and after some back-and-forth, got a bit closer to reality. Not perfect, but better. Moral of the story: patience, humor, and documentation are your friends...mostly patience though.
Went through something similar with hail damage on my old Mustang. Adjuster quoted me some generic roofing material prices—had to politely educate him on classic car paint jobs. Took a few rounds of emails and photos, but eventually got closer to fair. Hang in there...
Had a similar headache when my Benz got rear-ended. Adjuster initially threw out some generic bumper replacement costs—clearly had no clue about AMG parts pricing. Took patience and persistence, but eventually they came around. It's frustrating, but you're doing the right thing pushing back.
Did they try to lowball you with generic shingles too? When my garage roof got damaged, the adjuster quoted some cheap materials that didn't match the original ones at all... had to argue back and forth for weeks before they budged. Did you eventually get them to cover the full cost?
"Did they try to lowball you with generic shingles too?"
Haha, as someone who's been on both sides of this fence, I can confirm adjusters sometimes start with the "budget-friendly" option. Here's a quick guide to navigating this: Step 1, politely decline their first offer. Step 2, provide clear documentation of your original materials. Step 3, repeat steps 1 and 2 until sanity fades or they cave in... whichever comes first. Did they at least budge after seeing proof of your original shingles, or was it more of a battle?
