Name Phone Filing Period - assume 2 years if blank Pre-Supplement required?Summit's Rating out of 10Policy Exclusions & Exceptions2024 Policy Changes2025 Policy Changes
21st Century1-866-342-20455
AAA1-800-779-56301 year to file pre-supp decking5Matching Exclusions, need 535 endorsement. Local adjusters suck, CAT adusters good
AIG 1-888-760-9195pre-supplement10VERY GOOD
Acuity1-800-242-7666pre-supplement6.5Matching exclusions, matching caps, metal marring exclusions
American Family1-800-692-63261 year to file and have repairs completed*pre-supplement6Matching Exclusions, need 535 endorsement. Metal marring exclusion- RPS = Roof 10 years +,
American National1-800-333-28604Code Upgrade Cap.
Ameriprise (now Connect by Amfam)1-800-872-52466ACV only and/or high deductibles can be common on these policies
American Modern1-800-375-20754Slow.
American Reliable1-800-245-15055
Amica1-800-242-64226
Allied1-800-282-14465
Allstate 1-800-255-78281 year to file pre-supp decking5Some have "RPS" Policies - (roof surface payment schedule - which is basically like non recoverable depreciation)
ASI 1-866-274-56771 year to file 5Matching cap, typically will pay up to 2% of the home value to match undamaged material
Austin Mutual1-800-328-46285
Auto Owners1-888-252-46261 year to file 6Claims supposed to be filed through agent, but can call the after hours number listed here. - Matching Caps
Badger Mutual 1-800-837-78335Some policies may excluide matching coverage, Decent with approving, lower on pricing
Cincinnati1-877-242-2544pre-supplement8RPS PoliciesRPS
Chubb 1-800-252-46702 yearspre-supplement10Extremely good - high end insurance - one of the best
Country FInancial1-866-268-68795Code Coverage, ACV after 10 years,
Electric Insurance800-227-27577
EMC Insurance 1-888-362-22555
Encompass1-800-588-7400pre-supplement4Want 13 hits per test square, adjuster Mark Callen kinda sucks
Farm Bureau1-877-876-2222pre-supplement5
Farmers Insurance1-800-435-77641 Year to filepre-supp siding6.5Most policies exclude matching, unless client has 535 Matching endorsement, may exclude damage to soft metal (metal marring exclusion); Matching Cap 10-30K
Federated 1-888-333-49496.5
Firemans Fund1-(888) 347-34286
Foremost1 Year to file6ACV Only, No Matching. Roofs over 15 years use "Partial Loss Payment Method" - ACV only 15 years and older
Integrity Insurance 1-800-445-30306
Harleysville1-800-892-88775
Hartford1-800-243-58605
Homesite (progressive) 1-866-960-86091 year to file 5They usually cap the allowance for undamaged items paid for on matching - (often the cap is 2% of home value) 1% Deductible,
Horace Mann1-800-999-1030pre-supplement5ACV Only Roof
Kemper1-888-252-27995
Liberty Mutual1-800-225-24671 year to file pre-supplement5Roof = ACV 10+ years; Matching Cap,
Nationwide1-800-421-3535pre-supplement7
Northstar Mutual1-800-622-52301Terrible, dont approve and they use low fixed pricing, usually unbuildable
Pharmacists Insurance 1-800-247-59308Very rare, but very good
Penn National
Pure 1-888-813-78738.5RPS PoliciesRPS PolicyRPS Policy
Ram 1-800-727-13155
Safeco (now owned by Lib Mutual)1-800-332-32261 year to filepre-supplement5Roof = ACV 10+ years; Matching Cap, Ordinance or Law Cap
Secura 1-800-318-21367May have a matching cap of $20k for undamaged items depending on policy, pretty good company. Not in MarketNot in Market
Selective1-866-455-9969pre-supplement5
Sentry1-800-325-95595
State Auto1-800-766-18535Roof Marketplace Bids,
State Farm1-800-732-52462 years5Biggest company - they have 1/3 of market share.
Travelers 1-800-252-46332 years4Metal Exclusions, No Matching, RPS
Universal Insurance1-800-470-0599pre-supplement5ACV Roof = 10 + years old, Matching Exclusions.
USAA210-531-87222 years 8No Matching - Roof; 18 Months after initial ACV payment to complete the work
West Bend 1-877-922-5246pre-supplement4Will approve but lower price per square - usually 550-650 max, slow to process supplement
Western National 1-855-921-31641 Year to Filepre-supplement7Roof may be ACV only if over 10 years old 1% Cov A Deductible, Matching Cap, Code Coverage up to 10% of Cov A, Metal Exclusion (Roofing),
Wilson Mutual 1-800-242-77085
Westfield800-243-02107.5Some policies may have Cosmetic exclusions on metal damage Cosmetic Metal Exclusion - RoofingNo Matching, Cosmetic Metal Exclusion on entire exterior.
QBE1-800-822-2997pre-supplement6ACv Only