It depends on company, coverage, policy wording, and the adjuster. In my view, and I've done consulting with insurance companies and work as an expert witness and this in no way constitutes an official opinion since I havenet examine the structure, I'd say no way its totalled.
Some companies want their adjusters to write an estimate and some want you to get quotes. For me and my money I'd ALWAYS have the adjuster write it up and pay off their estimate then shop around for low bidders. I've found that the software is typically from 0-30 high on the quote verses what I can get stuff fixed for.
This is where policy wording comes in. The company I most often consult with writes homeowner and farmowner policies. Under their policies I'd speculate that upon examination I'd recommend they pay for a replacement of one side roof and sheeting, removal and disposal of whats left on that side, and the full 500 dollars for clean up not to exceed 50 percent of the coverage. As to the replacement roof, if its farm owners the payment is adjusted by depreciation, on home owners it isnt.
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Today's Featured Article - Old Time Threshing - by Anthony West. A lovely harvest evening late September 1947, I was a school boy, like all school boys I loved harvest time. The golden corn ripens well and early, the stoking, stacking,.... the drawing in with the tractors and trailers and a few buck rakes thrown in, and possibly a heavy horse. It would be a great day for the collies and the terrier dogs, rats and mice would be at the bottom of the stacks so the dogs, would have a busy time hunting and killing, all the corn was gathered and ricked in what we c
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