Wyoming has modified Chapter 26 of the Insurance Department regulations, which among other provisions states that if an insured loss causes damage to all facets of the roof of a covered property, the entire roof should be replaced. Additionally, other adjustment practices for roof damage covered under a homeowners policy are provided, including that photographic documentation of the roofing product, in and of itself, is insufficient for meeting reasonable investigation requirements, and that no insurer should depreciate the cost of labor associated with the installation and tear-off of roofing products when adjusting a roofing claim.
Section 4 of the regulation states that if the insured consents in writing in advance and the roofing product is obsolete, a different roofing product may be used in the repair or replacement of damaged facets of the roof. Any consent provided by the insured must be retained for at least five years and made available for inspection by the Commissioner upon request.
Please see Chapter 26 of the Insurance Department regulations for more information.