When they stopped making your roof, the policy didn't stop owing you one.

126 manufacturer documents · 41 manufacturersComplete PDFs · free · no login

The short answer: when the material on your building is no longer made, your policy does not shrink to fit. It promises repair or replacement with material of like kind and quality — and where the installed product cannot be bought, the real question is whether the covered building can be restored at all with what is still available. Availability is not compatibility. A product being purchasable does not make it the right product, and on the evidence below, the manufacturers say so themselves.

126manufacturer documents, published in full
37confirmed product discontinuations
41manufacturers
1040pages you can download free

Find your product

Every document below was issued by the manufacturer — a discontinuation notice, a do-not-mix instruction, a repair-method bulletin, or the original specification. All of them are published here in full, free, with no login. 87 of them contain a sentence, in the manufacturer’s own words, that decides an argument.

126 documents loaded. Start typing and the library narrows as you go.

Discontinued 2010 PDF · 1 page

Atlas Chalet

Atlas · Roofing

Atlas discontinued the Chalet 30-year laminated shingle in mid-2010 and replaced it with the Pinnacle HP line. Chalet went onto tens of thousands of Georgia homes, and it is the single most common discontinued-shingle dispute in this market.

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Discontinued 2014 PDF · 1 page

Atlas Chalet

Atlas · Roofing

Atlas’s follow-up letter goes further than the discontinuation itself: the Chalet’s proprietary design and physical size differ from current production, so combining old and new raises ASTM compliance problems.

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Repair method 2015 PDF · 2 pages

Atlas Chalet

Atlas · Roofing

The strongest document in this library. A carrier proposed fixing a Chalet roof by swapping in “comparable” shingles, or by cannibalising shingles from less visible slopes. Atlas’s Consumer Services Manager answered in writing — and the answer is no.

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Discontinued 2025 PDF · 1 page

Atlas GlassMaster

Atlas · Roofing

Atlas Roofing Corporation confirms in writing that the GlassMaster shingle is no longer manufactured.

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Do-not-mix 2019 PDF · 3 pages

Atlas Pinnacle

Atlas · Roofing

Three separate dimensional eras of the same product name. Pre-2013 Pinnacle measured 38¼″ × 13⅛″ at a 5⅝″ exposure; 2013–2017 measured 39⅜″ × 14″ at 6″; 2017-on measures 42″ × 14″ at 6″. A “Pinnacle roof” tells you almost nothing until you know which era.

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Do-not-mix 2013 PDF · 1 page

Atlas Pinnacle · StormMaster Shake

Atlas · Roofing

Effective July 2, 2013 Atlas changed the dimensions of both lines — from 38¼″ × 13⅛″ to 39⅜″ × 14″ — and stated plainly that the two generations cannot share a roof deck.

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Do-not-mix 2022 PDF · 1 page

Atlas Pinnacle Pristine

Atlas · Roofing

Atlas states a do-not-mix condition between the original Pinnacle Pristine and every later version. It no longer manufactures a shingle at a 5⅝″ exposure or 39⅜″ length, and the current HP42 cannot be installed on the earlier roof.

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Discontinued 2023 PDF · 1 page

Atlas StormMaster Slate

Atlas · Roofing

Discontinued effective January 1, 2023. Atlas did not just retire the product — it stated on the record that nothing else in the market matches it.

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Discontinued 2021 PDF · 2 pages

CertainTeed discontinued product register

CertainTeed · Roofing

CertainTeed’s own master register of permanently discontinued and modified lines — the first place to look if your roof is CertainTeed.

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Do-not-mix 2021 PDF · 1 page

CertainTeed Landmark and related lines

CertainTeed · Roofing

Even where the product name has not changed, CertainTeed identifies three conditions that defeat a partial repair on an aging roof: the older shingles have lost pliability, the granule blend has been reformulated, and lines such as Landmark converted from English to metric dimensions.

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Do-not-mix 2015 PDF · 1 page

CertainTeed algae-resistant vs. non-AR

CertainTeed · Roofing

Mixing AR and non-AR shingles produces two defects: an immediate colour difference, and a slower one as algae grows on only half the roof.

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Repair method PDF · 1 page

CertainTeed roof repair guidelines

CertainTeed · Roofing

CertainTeed’s own repair standard rejects reusing shingles and forbids intermixing metric and English (standard) sizes on one roof. Building codes require installation to follow the manufacturer’s instructions — which makes this document a code argument, not just a preference.

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Discontinued 2018 PDF · 2 pages

CertainTeed Independence AR · Patriot AR

CertainTeed · Roofing

Independence AR and Patriot AR discontinued across the South Atlantic region excluding Alabama, plus colour deletions across Cedar Crest AR (Chaparral Cedar, Saddle Brown, Slate Gray) and Highland Slate AR (Saddle Brown).

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Specification PDF · 8 pages

CertainTeed Independence Designer

CertainTeed · Roofing

The manufacturer’s bulletin for a discontinued premium shake-look shingle — Shangle design, 300 lbs. per square, UL Class A, Class 1 impact rated. When the original product is gone, this is the specification a proposed substitute has to be measured against.

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Specification PDF · 1 page

CertainTeed Independence Designer

CertainTeed · Roofing

The full original colour range for a shingle you can no longer buy: Burnt Sienna, Charcoal Black, Colonial Slate, Cottage Red, Driftwood, Georgetown Gray, Hamilton Blue, Heather Blend, Hunter Green, Weathered Wood.

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Specification 2009 PDF · 2 pages

CertainTeed Independence

CertainTeed · Roofing

The original fastening, underlayment and steep-slope requirements for the Independence shingle — including the cement-and-extra-fastener rule above 21″ per foot that a partial re-nail has to reproduce.

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System requirement 2023 PDF · 11 pages

CertainTeed asphalt shingles

CertainTeed · Roofing

The code-evaluation report treats a CertainTeed shingle roof as a complete system — compliant underlayment, the specified starter, hip-and-ridge accessories, and fasteners meeting ASTM F1667. A repair that substitutes non-conforming components does not just look different; it falls outside the report and can forfeit the Class A fire classification.

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System requirement PDF · 12 pages

CertainTeed valleys, walls and chimneys

CertainTeed · Roofing

Open valleys are required for Custom Lok 25 and strongly recommended for Grand Manor, Carriage House, Centennial Slate, Landmark TL, Presidential Shake and Presidential TL — their thickness and multi-layer construction are not designed to bend into a valley. A closed-cut or woven valley repair on those products is contrary to the manufacturer’s own manual.

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Repair method 2015 PDF · 2 pages

CertainTeed hail damage

CertainTeed · Roofing

CertainTeed’s technical position on what hail does to an asphalt shingle, and what its warranty does and does not cover afterwards.

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System requirement 2019 PDF · 5 pages

CertainTeed roof deck spacing

CertainTeed · Roofing

Deck board spacing requirements beneath a CertainTeed roof. Where the existing deck does not meet them, the fix is not confined to the shingles.

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System requirement PDF · 142 pages

CertainTeed vinyl and polymer siding

CertainTeed · Siding

Vinyl siding is hung, not fixed: nails are centred in elongated slots and driven loose, leaving roughly 1/16″–1/8″ of play so the panel can move with temperature. CertainTeed states that deviating from its requirements voids warranty coverage, and that failing to establish a smooth, solid substrate is itself a misapplication.

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Discontinued 2020 PDF · 1 page

GAF Timberline HD

GAF · Roofing

The most-installed architectural shingle in America, discontinued July 1, 2020 across every U.S. sales area and every colour, effective immediately. The stated alternative, Timberline HDZ, is a different product — see the do-not-mix letter below.

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Do-not-mix 2023 JPG · 1 page

GAF Timberline HD vs. Timberline HDZ

GAF · Roofing

The companion to the discontinuation notice, and the one that closes the loop: the successor product cannot be used to patch the old one. GAF withdraws warranty coverage where the two are mixed.

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Repair method 2024 PDF · 1 page

GAF Timberline HDZ

GAF · Roofing

The obvious workaround — trim a modern shingle down to the old dimensions — is one GAF specifically rejects, because cut shingles may not seal to one another.

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Discontinued 2023 PDF · 1 page

GAF Timberline UHD

GAF · Roofing

Discontinued March 6, 2023 in all sales areas — and the notice forecloses the substitute in the same breath.

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Discontinued 2013 PDF · 1 page

GAF Grand Slate · Grand Slate II

GAF · Roofing

Discontinued in all colours effective March 25, 2013, with GAF acknowledging that no exact replacement product exists.

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Discontinued 2012 PDF · 1 page

GAF Capstone Lifetime Designer

GAF · Roofing

Discontinued February 2012 with no remaining supply channel — confirmed by GAF’s Director of Timberline HD & Designer Shingles.

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Discontinued 2015 PDF · 2 pages

GAF Sentinel (vs. Royal Sovereign)

GAF · Roofing

Sentinel® was discontinued August 24, 2015 in all colours and all sales areas. The obvious substitute — Royal Sovereign, GAF’s other three-tab — is one GAF declines to recommend.

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Do-not-mix 2015 PDF · 2 pages

GAF Camelot

GAF · Roofing

A redesign, not a rename. From January 2015 the new Camelot (SKUs 0695xxx) added reinforcement between the tabs and a new Dura Grip adhesive pattern, and GAF stated the two generations may not be mixed.

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Discontinued 2013 PDF · 1 page

GAF-Elk Country Mansion Ultra-Premium

GAF-Elk · Roofing

Discontinued in all colours between October and December 2013, as the last Estate Oak and Olde Pewter inventories were depleted.

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Specification 2010 PDF · 3 pages

GAF-Elk Country Mansion Lifetime Designer

GAF-Elk · Roofing

The manufacturer’s own brochure for a shingle no longer available: specifications, warranty terms, wind ratings and system components. This is the standard a proposed replacement has to meet.

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Discontinued 2010 PDF · 1 page

GAF-Elk Timberline Prestique 40

GAF-Elk · Roofing

Discontinued in 2010 with no direct replacement. GAF’s technical services representative adds that the closest substitute, Timberline Ultra HD, will not look the same.

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System requirement 2011 PDF · 4 pages

GAF Lifetime warranty transition

GAF · Roofing

Every GAF laminated shingle installed after January 1, 2011 carries a Lifetime limited warranty regardless of the 30- or 40-year term printed on legacy packaging. Patch a post-2011 roof with old stock or with a non-laminated GAF shingle (Royal Sovereign, Sentinel, Marquis WeatherMax) and you have put material on the roof that does not carry that warranty.

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Repair method 2021 PDF · 2 pages

GAF storm-damaged shingle replacement

GAF · Roofing

GAF’s formal position on storm damage. Hail, hurricane, tornado, microburst, ice damming and above-warranty winds are excluded from the shingle warranty — and because latent damage to the surrounding shingles is hard to assess, GAF’s own recommendation is replacement, not patching.

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Repair method 2016 PDF · 2 pages

GAF storm-damaged shingle replacement

GAF · Roofing

The earlier revision of the same bulletin, useful when the date of loss predates the 2021 version. It carries the same recommendation, and adds that shingles nailed through during tarping must be replaced.

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Repair method 2022 PDF · 3 pages

GAF tarped roofs

GAF · Roofing

Emergency tarping leaves fastener holes through sound shingles. GAF states those shingles must be replaced and that sealing the holes is not a permanent fix — which matters when a carrier prices caulk.

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Repair method 2021 PDF · 2 pages

GAF hail damage

GAF · Roofing

GAF describes hail impact as causing gradual granule loss that leads to premature ageing, and excludes it from the shingle warranty.

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System requirement 2022 PDF · 1 page

GAF single-plane replacement

GAF · Roofing

The quiet reason a “just do the one slope” scope rarely works. Underlayment has to lap 4″–6″ over the hip or ridge, a 12″–18″ strip must run along it overlapping the new underlayment by 6″–12″, and the end nails of the adjacent shingles have to come out and go back in. The adjacent slopes get disturbed whether or not the estimate says so.

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System requirement 2024 PDF · 1 page

GAF single-plane replacement

GAF · Roofing

The current revision of the single-plane bulletin, with the same lap requirements and an explicit warranty consequence.

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System requirement 2021 PDF · 2 pages

GAF existing deck boards

GAF · Roofing

Where the existing deck shows warping or shrinkage, gaps over 1/4″, or has been in place under five years, GAF requires an approved deck to be installed over the boards. That converts a shingle repair into a deck job.

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System requirement 2022 PDF · 2 pages

GAF Deck-Armor · Tiger Paw · FeltBuster

GAF · Roofing

The code-evaluation report for GAF’s synthetic underlayments: minimum 3″ head laps and 6″ end laps, applied in shingle fashion. Restoring code-compliant laps after damage means replacing whole runs, not squares.

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Discontinued 2001 PDF · 1 page

IKO Cambridge 25

IKO · Roofing

Discontinued in 2001 and dimensionally incompatible with the Cambridge sold today: the old Imperial shingle ran 39 3/16″ × 14¼″ at a 6⅛″ exposure, the current Metric one 40⅞″ × 13¾″ at 5⅞″. IKO also rejects trimming new shingles to fit.

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Do-not-mix 2002 PDF · 1 page

IKO Cambridge

IKO · Roofing

IKO’s Warranty Services Department confirms Cambridge changed dimensions in 2002, making pre- and post-2002 shingles incompatible on the same plane — and that the colours changed too.

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Do-not-mix 2023 PDF · 1 page

IKO Cambridge vs. Dynasty

IKO · Roofing

IKO’s Codes and Compliance Officer on mixing two current IKO products, never mind old and new. IKO also disclaims responsibility where a mixed repair is performed.

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Discontinued 2009 PDF · 1 page

IKO Gentry (3-tab)

IKO · Roofing

The Gentry 3-tab (36″ × 12¼″, 5⅛″ exposure) is discontinued with no replacement — IKO no longer manufactures a standard-size three-tab at all. The only three-tab it still makes, Marathon Plus AR (39⅜″ × 13¼″, 5⅝″), is expressly incompatible.

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Do-not-mix 2023 PDF · 1 page

IKO Marathon Plus AR vs. Gentry 25 AR

IKO · Roofing

IKO states the two three-tabs cannot be mixed, and gives the reason in performance terms rather than appearance.

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Discontinued 2022 PDF · 1 page

IKO Cambridge · Dynasty · Armourshake · Ultra HP colours

IKO · Roofing

Colourways retired effective 2022: Cambridge Aged Redwood, Dynasty Pacific Rim, Armourshake Western Redwood, H&R 12 Aged Redwood and Pacific Rim, and Ultra HP / Ultra HP IR Aged Redwood — plus low-slope base products.

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System requirement PDF · 1 page

IKO underlayment laps

IKO · Roofing

IKO requires underlayment to wrap a minimum of 6″ over hips and ridges onto the adjoining slope. A single slope on an IKO roof cannot be replaced in isolation without opening the underlayment on the slopes beside it.

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Repair method 2021 PDF · 3 pages

Owens Corning hail damage

Owens Corning · Roofing

The plainest rejection of spot repair in this library, from the manufacturer rather than from us. Owens Corning also states that once hail dislodges granules and exposes the asphalt, the roof’s performance has been compromised.

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Do-not-mix 2024 PDF · 1 page

Owens Corning TruDefinition Duration · Oakridge · Supreme

Owens Corning · Roofing

Owens Corning’s three main residential series are not interchangeable with one another — so a repair that reaches for a different series than the one installed is outside the manufacturer’s guidance.

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Discontinued 2018 PDF · 1 page

Owens Corning Classic (20-year 3-tab)

Owens Corning · Roofing

Owens Corning confirms the 20-year three-tab Classic® is gone.

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Discontinued 2022 PDF · 1 page

Owens Corning Oakridge II

Owens Corning · Roofing

Confirmed in writing on April 21, 2022.

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Discontinued 2022 PDF · 1 page

Owens Corning Oakridge Plus

Owens Corning · Roofing

Confirmed in writing on April 21, 2022.

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Discontinued 2022 PDF · 1 page

Owens Corning Oakridge Pro 30 · Pro 40 · Pro 50

Owens Corning · Roofing

All three Pro Series shingles discontinued — and the letter closes the substitute door in the same paragraph.

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Do-not-mix 2021 PDF · 1 page

Owens Corning Oakridge Limited Lifetime vs. Oakridge Pro 30

Owens Corning · Roofing

Owens Corning prohibits mixing the current Oakridge Limited Lifetime shingle with the discontinued Oakridge Pro 30, and requires mixed shingles to carry identical lot numbers regardless of product line — a standard almost no repair can meet.

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Do-not-mix 2008 PDF · 1 page

Owens Corning Oakridge — pre-2008 vs. current

Owens Corning · Roofing

Post-2008 Oakridge is 5/8″ longer than the shingle it replaced (38¾″ → 39⅜″). Owens Corning’s answer is not to trim it.

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Do-not-mix 2012 PDF · 2 pages

Owens Corning TruDefinition Duration vs. pre-2012 Duration

Owens Corning · Roofing

Two incompatibilities at once: the TruDefinition colours were reformulated, and the shingle grew 5/8″.

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Discontinued 2012 PDF · 2 pages

Owens Corning Duration Premium · Duration Premium Designer

Owens Corning · Roofing

Duration Premium and Duration Premium Designer discontinued as of February 1, 2012. The same document answers, in one word, whether the existing Duration line can be mixed with the new TruDefinition product: No.

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Discontinued 2022 PDF · 1 page

Owens Corning WeatherGuard HP

Owens Corning · Roofing

WeatherGuard HP was discontinued in 2022, and its natural replacement is one Owens Corning declines to pair with it.

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Discontinued 2023 PDF · 2 pages

Owens Corning Supreme — colours

Owens Corning · Roofing

Effective December 1, 2023, most Supreme® colours were dropped across all ten plant service areas — Aspen Gray, Autumn Brown, Chateau Green, Desert Tan, Shasta White, Teak, Weathered Wood, Williamsburg Gray, Beachwood Sand and more.

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Discontinued 2025 PDF · 1 page

Owens Corning Supreme · Supreme Metric

Owens Corning · Roofing

Sales discontinued effective January 15, 2025 across seven plant service areas — Brookville IN, Denver CO, Kearny NJ, Medina OH, Minneapolis MN, Portland OR and Summit IL — with remaining stock available only until depleted.

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Discontinued PDF · 4 pages

Owens Corning discontinued product register

Owens Corning · Roofing

Owens Corning’s own current-and-discontinued list, naming 18 shingle products with the year each was dropped — Classic in 2018, Duration Premium COOL in 2020, TruDefinition WeatherGuard in 2022 and others. Start here if your roof is Owens Corning.

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Do-not-mix PDF · 1 page

Owens Corning mixing and matching

Owens Corning · Roofing

Mixing shingles from different manufacturers voids the warranty in most cases. The document also prohibits mixing an organic-base shingle with a fiberglass-mat one — which matters on older roofs, because organic-mat shingles are no longer made at all.

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Repair method 2021 PDF · 1 page

Owens Corning shingle repair

Owens Corning · Roofing

Damaged shingles must be replaced rather than repaired in place — and Owens Corning warns that breaking the seal on an aged roof risks damaging further shingles, which expands the scope beyond the ones that were hit.

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System requirement 2019 PDF · 2 pages

Owens Corning hip, ridge and starter

Owens Corning · Roofing

Every Owens Corning Limited Lifetime system — Oakridge, Duration Series, WeatherGuard HP — must use Owens Corning starter strip at the eaves and rakes and Owens Corning hip-and-ridge at every hip and ridge. Cutting up laminate or three-tab shingles to serve as ridge cap is not acceptable and is an improper installation.

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Repair method 2019 PDF · 4 pages

Owens Corning hail and shingle sizing

Owens Corning · Roofing

A three-part technical package: hail is excluded from the standard and extended warranties, shingle sizes have changed across product generations, and the Limited Lifetime systems have mandatory accessory requirements.

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System requirement 2023 PDF · 2 pages

Owens Corning flashing re-use

Owens Corning · Roofing

New flashing is a condition of the Extended Warranty. Re-using the old flashing is permitted only where replacement would risk damaging the cladding, and only where the existing flashing is in like-new condition and the proper gauge.

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System requirement 2023 PDF · 2 pages

Owens Corning impact-resistance ratings

Owens Corning · Roofing

Products made from 2022 onward carry UL 2218 and FM 4473 Class 3 impact ratings. Patching a Class 3 roof with pre-2022 stock puts unrated material into a rated system — which can matter for a premium discount or a local code requirement, not just for appearance.

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Do-not-mix 2022 PDF · 1 page

Owens Corning algae-resistant vs. non-AR

Owens Corning · Roofing

Algae-resistant shingles carry copper granules. Mixing them with non-AR shingles undermines the system, and the difference grows more visible with time rather than less.

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Discontinued 2015 PDF · 2 pages

TAMKO Glass-Seal

TAMKO · Roofing

TAMKO stopped manufacturing Glass Seal shingles on June 15, 2015 — confirmed in a memo from its Vice President of Sales and Marketing.

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Discontinued 2024 PDF · 6 pages

TAMKO Heritage · Titan XT — colours

TAMKO · Roofing

Heritage and Titan XT colour and plant combinations dropped by 2024 — Oxford Grey, Olde English Pewter, Desert Sand, Rustic Cedar, Autumn Brown, Slatetone Grey, Harvest Gold, Rustic Brown and Rustic Redwood from specific manufacturing plants. Which plant served your area decides whether your colour still exists.

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Repair method PDF · 20 pages

Mastic vinyl siding — all covered lines

Mastic · Siding

The clause that quietly decides a lot of siding claims: an unauthorised partial repair does not just risk a mismatch, it extinguishes the remaining warranty on the whole installation.

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System requirement PDF · 208 pages

Ply Gem vinyl siding, soffit, fascia and accessories

Ply Gem · Siding

Vinyl siding moves. Every panel needs 1/32″ clearance at each fastener and 1/4″ at corners and channels to absorb thermal movement of half an inch or more across a 12′6″ run. Replacing one panel means unzipping the course above with a zip-lock tool, pulling the damaged panel’s nails, and re-engaging the lock afterwards — a sequence a quick patch rarely performs correctly.

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System requirement PDF · 160 pages

Ply Gem vinyl siding and accessories

Ply Gem · Siding

The companion manual, with the same fastening mechanics: nails centred in the slot, driven loose, never pinned. Siding that is face-nailed or fastened tight will buckle — and that is a workmanship failure introduced by the repair.

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System requirement 2019 PDF · 4 pages

James Hardie HardiePlank lap siding

James Hardie · Siding

HardiePlank sits over a continuous water-resistive barrier with flashed penetrations and junctions. Pulling planks for a partial repair breaks that continuity, and blind nailing — Hardie’s preferred method — means the fasteners for a given course sit under the course above it.

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System requirement 2018 PDF · 6 pages

James Hardie HardieWrap weather barrier

James Hardie · Siding

The barrier is a continuous, lapped, taped system: minimum 6″ shingle-lap overlaps, every vertical and horizontal seam taped, and every penetration, sill, header and jamb flashed. A section-only replacement leaves untaped seams behind the new siding, where nobody will see them until they leak.

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System requirement 2018 PDF · 12 pages

James Hardie over continuous insulation

James Hardie · Siding

Where Hardie siding goes over foam or another non-nailable substrate, the fastening is engineered: extended fasteners through to the framing where the non-nailable layer is 1″ or less, or furring strips through the foam into framing above that. A repair that reaches for standard fasteners is not the same assembly.

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Repair method 2023 PDF · 1 page

VELUX residential skylights

VELUX · Skylights

Re-cladding and re-flashing a hail-damaged skylight is not a repair VELUX endorses. Units made before 2000 cannot be repaired at all because the parts no longer exist, and fixed units from 2010 on have glazing profiles that changed.

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Repair method PDF · 7 pages

VELUX skylight cladding

VELUX · Skylights

VELUX requires full skylight replacement where hail exceeds 2″, or where hail damages cladding sealed directly to the glazing — because the factory weather seal cannot be re-created on a roof.

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Do-not-mix 2013 PDF · 3 pages

Englert Mill Finish Galvalume

Englert · Roofing

Englert's warranty states outright that uniform visual appearance is not guaranteed on mill finish Galvalume, and directs buyers to prepainted product if uniform appearance is needed.

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System requirement 2023 PDF · 1 page

DECRA made-to-order colours

DECRA Roofing Systems · Roofing

Same claim, with the qualifier that MTO status is assigned per profile on the sheet, not per colour globally — the same colour name can be stock on one profile and MTO on another.

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Specification 2025 PDF · 3 pages

Petersen Copper Penny

Petersen · Roofing

Petersen's PAC-CLAD Color Guide (dated 1/25) lists Copper Penny among PAC-CLAD Premium Colors and states 'PAC-CLAD Copper Penny is a Non-Weathering finish.' Drop the added contrast with 'weathering-look colours' — the guide draws no such class, and Weathered Steel and Weathered Zinc are likewise 70% PVDF paint finishes, not weathering metals.

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Do-not-mix 2026 PDF · 6 pages

Pella Vista Window & Patio Door

Pella · Windows

Pella states in its current Vista warranty that a repair or replacement will be the closest equivalent CURRENT product and may not match the original unit.

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Do-not-mix 2023 PDF · 4 pages

Pella Vinyl Window & Patio Door

Pella · Windows

Pella's vinyl warranty states a replacement product is only a reasonably similar CURRENT product and may not exactly match the original. Note: the PDF carries no printed effective date or revision code; the 8-29-23 date is taken from the filename, not from the face of the document.

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System requirement 2024 PDF · 4 pages

Marvin Signature · Elevate · Essential

Marvin · Windows

Marvin's warranty carries a dedicated OBSOLETE OR DISCONTINUED PARTS clause cutting warranty on such parts to one year — direct written proof that discontinued parts are a recognised, degraded category.

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Do-not-mix 2024 PDF · 4 pages

Simonton ComfortSmart, HarborLight, Premier

Simonton · Windows

Simonton's Lifetime Limited Warranty expressly disclaims responsibility for colour variation in a replacement part and reserves the right to substitute an equivalent for any discontinued part. For ComfortSmart / HarborLight / Premier, cite the SIM24 warranty PDF (effective 7/29/2024), which carries this clause verbatim. The simonton.com/support/warranty-information/limited-lifetime-warranty/ page carries the same clause but covers different series — Brickmould 300, Brickmould 600, ProFinish Builder and Contractor Series windows and Narrow Frame patio doors — and is undated.

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Do-not-mix 2026 PDF · 2 pages

Milgard — Full Lifetime Warranty Upgrade

Milgard · Windows

Milgard states outright that replacement parts may not be an aesthetic match to the original, and reserves the right to discontinue or modify products and substitute equal value/quality.

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Do-not-mix 2026 PDF · 2 pages

Milgard — New Construction 10-Year Limited Warranty

Milgard · Windows

The same no-aesthetic-match clause appears in Milgard's new-construction warranty, with a refund fallback where a replacement cannot be provided. The document is a combined 'New Construction Lifetime Limited Warranty / New Construction 10-Year Limited Warranty' (lifetime for original occupying purchasers, 10 years for all other owners), effective January 1, 2026.

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Do-not-mix 2026 PDF · 2 pages

MI Windows replacement product warranty

MI Windows and Doors · Windows

MI uses the identical no-aesthetic-match language and reserves the right to discontinue or modify products and substitute equivalents.

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Do-not-mix 2007 PDF · 2 pages

JELD-WEN Wood and Metal-Clad Wood Window & Patio Door

JELD-WEN · Windows

JELD-WEN states the REASON replacements do not match — manufacturing materials and techniques change over time — and that replacement parts may not be an aesthetic match. Useful for older wood/clad units still in service.

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Do-not-mix 2025 PDF · 2 pages

Alside Vero vinyl window & patio door

Alside · Windows

Alside's Vero warranty combines the discontinued-style substitution right with an explicit no-aesthetic-match statement.

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Do-not-mix PDF · 2 pages

Alside vinyl windows

Alside · Windows

Alside (warranted by Associated Materials Innovations, a division of Associated Materials, LLC) states in its Windows and Patio Doors Lifetime Limited Warranty — applicable to products manufactured on or after March 1, 2025 — that replacement parts come only in the standard colour available at the time of the claim, that a colour variance versus the original due to weathering is expected and is not a defect, and that a discontinued product may be settled by refund rather than replacement.

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Discontinued 2024 PDF · 2 pages

ProVia Aeris, Endure, Aspect Windows & Patio Doors

ProVia · Windows

ProVia reserves the right to discontinue or change any product and, where the warranted product is no longer available, to substitute one of equal quality or value — with the purchaser paying all labour. Document: Aeris/Endure/Aspect Lifetime Limited Transferable Warranty card, © 2024 ProVia, version stamp 12/1/2023 Ver 1.0.

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Discontinued 2012 PDF · 90 pages

Andersen Perma-Shield Narroline Window (1968 to 2012)

Andersen · Windows

Andersen records the Perma-Shield Narroline double-hung as produced 1968 to 2012 and states that Narroline windows are 'currently produced in basic unit sizes only'. Its milestones date Picture and Side Light discontinuation to 1996 and Double-Hung and Transom discontinuation to 2012 (the narrative's blanket '1968 to 1996' span for bay/picture/side light/transom conflicts with the milestone list — cite the milestones). Terratone was discontinued in 1995, so a Terratone Narroline cannot be colour-matched from current production.

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Do-not-mix 2025 PDF · 3 pages

Andersen aluminum windows and doors

Andersen · Windows

Andersen's aluminum warranty excludes DISCONTINUED GLASS from the 20-year glass warranty entirely — written confirmation that discontinued glass is a distinct, unsupported category.

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Specification PDF · 3 pages

Andersen Art Glass

Andersen · Windows

Andersen excludes naturally occurring colour variations and imperfections in art glass from coverage, confirming that decorative glass units are not expected to be identical to one another. Source: Andersen Art Glass and Decorative Insulating Art Glass Limited Warranty, effective as of August 2007 (© 2007, Reorder LW-5). The document does not itself limit coverage to the 400/200 Series — that designation appears only in the file name — and states art glass panels are designed exclusively for installation on Andersen windows and patio doors.

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Specification 2019 PDF · 2 pages

Sunrise Windows & Sliding Doors

Sunrise · Windows

Sunrise's warranty brochure covers PVC frames/sashes, insulated glass seal, screens, hardware and balances on a lifetime non-prorated transferable basis, with 20-year exterior paint and 10-year fade coverage. NOTE: unlike its MI/Milgard stablemates, this fetched Sunrise document contains NO colour-match or discontinued-part disclaimer — do not cite a no-match clause for Sunrise.

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Specification PDF · 1 page

Mannington Commercial Luxury Vinyl Tile

Mannington · Interior finishes

Mannington Commercial's Limited 10-Year LVT warranty (legacy PDF, created 22 March 2013) expressly disclaims any obligation that warranty replacement flooring will match the existing floor in color, dye lot or gloss — the manufacturer itself concedes a partial replacement will not match. Covers Assurance Squared, Create, Nature's Paths, Nature's Paths LockSolid, Nature's Paths Select Plank and Nature's Paths Select Tile (10-Year Commercial); Walkway carries the 10-Year Light Commercial version.

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Do-not-mix 2024 PDF · 9 pages

Daltile ProSeries LVF

Daltile · Interior finishes

Daltile's published installation instructions require that all material come from a single run/lot number found on the carton label, and that pattern and lot numbers be verified as identical when working from more than one carton — a written manufacturer rule that material from a different run is not a colour match.

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Do-not-mix 2025 PDF · 9 pages

Congoleum Triversa Prime · ArmorCore Plank Pro

Congoleum · Interior finishes

Congoleum's installation guidelines (document P20-0885, Rev 3/31/2025) direct installers to confirm that pattern and run numbers on the cartons are the same when flooring comes from two or more cartons — a written manufacturer rule tying material identity to the carton run number.

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Specification 2016 PDF · 3 pages

Mohawk laminate flooring

Mohawk · Interior finishes

Mohawk's laminate warranty states that where the claimed product is no longer available the customer selects a different product from the current range — the manufacturer's written confirmation that a discontinued laminate is replaced with a non-matching substitute, not a match.

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Specification 2023 PDF · 4 pages

Bruce engineered hardwood

Bruce · Interior finishes

Bruce's installation instructions require installers to work from several cartons simultaneously to obtain a good colour and shade mixture, which is a written manufacturer acknowledgment that carton-to-carton colour and shade differences exist within the same product.

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Specification PDF · 1 page

Mohawk tile

Mohawk · Interior finishes

Mohawk's tile warranty expressly excludes shade and surface finish variation on natural stone from any warranty coverage, meaning shade mismatch on a stone repair is outside the manufacturer's remedy entirely. (Quote normalised for PDF letter-spacing artefacts in extraction.)

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Specification PDF · 4 pages

DuPont Corian Solid Surface sheet

DuPont · Interior finishes

Corian publishes projected 10-year colour-change groupings in Delta-E*94 units (ASTM D2244), derived from ASTM G155 accelerated weathering and Florida outdoor exposure, quantifying that solid surface drifts in colour over time; the bulletin is scoped to exterior applications, so it evidences the mechanism of colour drift rather than an interior match standard.

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Discontinued 2026 PDF · 20 pages

Ply Gem Mastic vinyl siding & soffit

Ply Gem · Siding

Ply Gem reserves the right to discontinue or change any product, including design and colour, at any time without notice or liability, and disclaims liability where replacement product differs in gloss or colour from the panels originally installed.

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Discontinued 2025 PDF · 2 pages

Alside vinyl siding & soffit

Alside · Siding

Mastic/Ply Gem states in full capitals that any repair performed without prior written authorization from Ply Gem voids the warranty entirely. The identical all-caps clause appears in the Variform warranty (naming Variform), so the two Cornerstone Building Brands documents share this language.

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Do-not-mix 2025 PDF · 24 pages

Wolverine 2025 Siding Collection

Wolverine by CertainTeed · Siding

Wolverine's 2025 catalogue documents three different nominal thicknesses across its lap lines with the thickness encoded in the product name — Prestige® 044 at .044", WildCreek® 042 at .042", Groveland® 040 at .040" — with Board & Batten at .052", and panel projection differing by line (9/16" on Prestige 044 versus 1/2" on WildCreek 042, Groveland 040 and Board & Batten). The Insta-Lock™ system is named only for the three lap lines; Board & Batten is described only as an 'Innovative locking system' and Heartwood as a 'Unique continuous lock', so the catalogue does not affirmatively state they are different systems. The catalogue does warn: 'Materials of differing gloss level, texture, composition and orientation can look different despite being the same color.'

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Discontinued 2019 PDF · 2 pages

Westlake Royal vinyl siding & soffit

Westlake Royal Building Products · Siding

Westlake Royal Building Products reserves the right to discontinue, modify or alter any product including colour without prior notice, and where a covered product is unavailable it substitutes a product of equal quality or price at its sole discretion rather than matching. The Double Limited Lifetime Warranty is effective for all Products sold after 01/01/2019 and covers Westlake Royal vinyl siding, soffits and accessories; it does not name Exterior Portfolio or CraneBoard.

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Discontinued PDF · 12 pages

Variform vinyl siding

Variform by Ply Gem · Siding

CertainTeed reserves the right to discontinue or modify any vinyl siding product including colour, disclaims all liability for the discontinuation itself, and disclaims liability where replacement material varies in colour or gloss from the original as a result of normal weathering. Warranty effective date 3/1/23 (©01/24); '04-02-2005' in the filename is CertainTeed's product code, not a year. Quote: 'CertainTeed reserves the right to discontinue or modify any of its Vinyl Siding Products, including the color, and shall not be liable as a result of such discontinuance or modification, nor shall CertainTeed be liable in the event the replacement material varies in color or gloss in comparison to the original product as a result of normal weathering.'

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Discontinued 2009 PDF · 2 pages

Gentek vinyl siding & soffit

Gentek Building Products · Siding

Gentek reserves the right to discontinue or change any product including colour without notice to the homeowner, disclaims liability for the discontinuation and for colour or gloss variance in replacement material, and where the originally installed product has been discontinued may substitute product of comparable quality or price rather than matching material. Quote: 'Gentek reserves the right to discontinue or make changes to any of its products, including color, without notice to the homeowner/consumer, and shall not be liable as a result of such discontinuance or modification, nor shall Gentek be liable in the event the replacement material may vary in color or gloss in comparison to the original product as a result of normal weathering.'

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Discontinued 2023 PDF · 2 pages

ProVia Super Polymer vinyl siding · CedarMAX

ProVia · Siding

ProVia reserves the right to discontinue or change products and, where the covered product is unavailable, substitutes at its sole discretion; it separately states that replacement product may vary in colour and gloss from the original and that such variance is not a defect. Warranty card marked Version 1.0 (2023-12-06).

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System requirement 2019 PDF · 29 pages

James Hardie HZ5 · HZ10 HardieZone lines

James Hardie · Siding

James Hardie manufactures two physically different formulations of the same siding profiles and assigns them by climate zone: HZ5 for climate zones 1-5 and HZ10 for climate zones 6-10. A board pulled off a shelf in the wrong zone is not the same product as the board on the wall.

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Discontinued PDF · 6 pages

Moen Chateau kitchen faucet

Moen Incorporated · Fixtures

Moen's own Illustrated Parts sheet for the Chateau single-handle kitchen faucet (Rev. 3/18) carries a heading 'Discontinued SKUs' listing 7425BC and 7434BC in Brushed Chrome and 7425W, 7430W and 7434W in Glacier, while showing only Chrome and Spot Resist Stainless as continuing finishes — so a damaged Glacier or Brushed Chrome Chateau cannot be replaced in its original finish.

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Discontinued PDF · 3 pages

Moen Monticello lavatory faucet

Moen Incorporated · Fixtures

Moen's Illustrated Parts sheet for the MONTICELLO® Two-Handle Widespread Lavatory Faucet (Rev. 7/13) lists under 'DISCONTINUED SKUS' the finish variants T4570PM (Platinum), T4570ST (Satine), T4570CPC (Chrome/Porcelain), T4570PMC (Platinum/Chrome) and 84246 (Chrome/Polished Brass), while the sheet's continuing table lists Chrome, Brushed Nickel, Polished Brass and Chrome/Polished Brass — and separately marks the 100567 Large Chassis part itself 'Large Chassis (Discontinued)'. Because the sheet is dated 2013, its continuing list evidences what Moen listed at that revision, not present-day availability.

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Specification 2019 PDF · 7 pages

Kohler faucet finishes

Kohler Co. · Fixtures

The KOHLER® Faucet Lifetime Limited Warranty (Kohler document 1353511-12, linked from kohler.com/en/help/warranty) carves specialty and exclusive finishes out of coverage entirely and warrants organic, non-Vibrant, non-chrome finishes only if manufactured after 1 January 2019 — Kohler's own written acknowledgement that its non-standard finishes are treated as a separate, time-bounded class rather than a stable catalogue item. Source: https://techcomm.kohler.com/techcomm/pdf/1353511-12.pdf (footnote ***).

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Specification PDF · 6 pages

Kohler enamelled cast iron

Kohler Co. · Fixtures

Kohler's KOHLER® Cast Iron Components Lifetime Limited Warranty (Kohler document 1353512-12) states that gloss reduction, scratching, staining and alkaline etching of the enamel finish over time are normal wear and tear rather than manufacturing defects — the manufacturer's own written basis for arguing that an aged cast iron tub or sink will not visually match a newly manufactured unit even in the identical catalogue colour. Source: https://techcomm.kohler.com/techcomm/pdf/1353512-12.pdf. (Kohler publishes separate warranties for enameled cast iron sinks and bath/shower bases.)

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Repair method 2025 PDF · 4 pages

VELUX current limited warranty

VELUX · Skylights

VELUX concedes in its current written warranty that products go out of production and out of version, and that when they do, VELUX substitutes a similar product at its sole discretion rather than matching the original form, color, covering or finish. This is the manufacturer's own acknowledgment that an exact-match repair may be impossible on an older unit.

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System requirement 2004 PDF · 5 pages

VELUX Legacy (pre-2010) products

VELUX · Skylights

VELUX's archived warranty brochure for pre-2010 products excludes anything purchased before January 1, 2004, and states VELUX may substitute a similar product or component when the original version is no longer available.

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Specification 2024 PDF · 2 pages

VELUX Pre-2010 legacy models

VELUX · Skylights

VELUX's Product ID Locations document (VELUX Canada edition, V-CDN-PIDL-E-0524, (c)2024) carries a separate "Pre 2010 Products" table naming legacy models FSF (fixed, ID under the vent flap) and VSC (venting) — neither of which appears on the current-line table — plus roof windows GDL, GPL, GHL, GPU, GGL and GGU (V21), of which GHL, GPU and GGU are legacy-only. For pre-2010 SUN TUNNEL skylights it states there is "No ID for sizing, measure the diameter of the reflective tube."

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System requirement 2020 PDF · 16 pages

VELUX A21 deck-mounted skylights & flashing

VELUX · Skylights

VELUX's FS deck-mount installation instructions (VAS 452197-2020-12) state that "VELUX(R) series A21 skylights are designed and engineered to be installed with VELUX flashing systems," and that each flashing system "include[s] VELUX adhesive skylight underlayment in a quantity sufficient to install one skylight of the size for which the flashing system was designed." The same page conditions the No Leak warranty on use of the underlayment packaged with the flashing system — so a re-flash draws on a new kit's underlayment. The document does not state that underlayment is non-reusable; do not claim that.

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Repair method 2020 PDF · 3 pages

Sunoptics polycarbonate & acrylic skylights

Sunoptics · Skylights

Acuity's Sunoptics limited warranty (dated 09.01.2020) states that warranty replacement may be with a functionally equivalent product or part that is not identical to the original, and that Acuity may use reconditioned, refurbished or remanufactured parts — the manufacturer's written concession that an exact match is not guaranteed.

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System requirement 2026 PDF · 3 pages

Discontinued clay & concrete roof tile

Tile Roofing Industry Alliance · Roofing

TRI Alliance states that wind uplift and fastening performance cannot be validated when discontinued and current tile profiles are mixed on the same roof — a code/engineering objection independent of appearance.

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System requirement 2025 PDF · 2 pages

Eagle concrete roof tile

Eagle Roofing Products · Roofing

Title is truncated. The document's own heading is 'EAGLE ROOFING PRODUCTS TRANSFERABLE LIMITED LIFETIME PRODUCT AND LIMITED 10 YEAR REPLACEMENT COST WARRANTY' — use the full name, as finding 8 does. Also note the clause governs manufacturing-defect claims, so its relevance to an insurer's spot-repair argument is by analogy, not directly.

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Do-not-mix 2019 PDF · 4 pages

DaVinci Slate & DaVinci Shake

DaVinci Roofscapes · Roofing

Source-durability warning: the cited westlake.canto.com URL 302-redirects to a signed CloudFront link with an Expires parameter. Archive a local copy and cite the stable landing page https://www.westlakeroyalbuildingproducts.com/roofing/davinci-roofscapes/warranty ('Lifetime Warranty Roofing & Siding - US and Canada') as the locator.

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Do-not-mix PDF · 4 pages

DaVinci Roofscapes Inspire Classic Slate

DaVinci Roofscapes · Roofing

The PDF inserts a page-number '3' between 'the same color' and 'or design' at the page break; the researcher's quote correctly closes that gap, but note the break so anyone re-verifying against the raw PDF is not thrown by it. No stated effective date appears in this document, so do not attach a year to it.

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Repair method PDF · 11 pages

Ludowici clay tile

Ludowici Roof Tile · Roofing

Two refinements. (1) The source is Ludowici's warranty web page, not a separate 'Warranty Program document' — cite it as the warranty page at https://ludowici.com/ludowici-difference/warranty/. (2) The immediately preceding sentence is stronger and should be captured too: Ludowici 'reserves the right to discontinue or modify any of its products, including the color thereof, without notice to the customer and shall not be liable ... if replacement material varies in color intensity and/or hue and/or shade in comparison to the original product.'

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Sourced from manufacturer documents held in this firm’s reference library and last reviewed August 2026. Where a letter was addressed to a specific homeowner, that person’s name and street address are blacked out; no operative text is ever redacted.

Like kind and quality — not “matching”

Most homeowners arrive at this fight using the carrier’s vocabulary, and it costs them. Here is the distinction that decides these claims.

  • Like kind and quality is the contractual duty. It is the language in your policy, and it is a replacement-cost and indemnity concept — what it takes to make the covered building whole. It is not an appearance theory.
  • “Matching” is the carrier’s label. Reframing the dispute as being about how the roof looks moves the argument onto ground where a carrier can call you fussy. A discontinued or incompatible material may require broader replacement before aesthetics are ever reached, because the building cannot be restored with available materials of like kind and quality.
  • Availability is not compatibility. A “closest available” letter establishes only that a distributor sells something. It does not establish that the something integrates with your assembly — and the manufacturers publish do-not-mix instructions proving it sometimes cannot.
  • Identification is not integration. An ITEL report identifies the material. It does not certify that a substitute will work with what remains on the building.
  • Repairability is an outcome, not a label. Calling a roof “repairable” is not proof. The actual sequence has to be performable — sealant separation, fastener extraction, handling aged material, compatible insertion, refastening, flashing and ridge integration — without causing collateral damage.

Where a carrier asserts a repair or a substitute, the honest demand is specific: name the exact replacement product — manufacturer, line, colour, dimensions, exposure, nail zone, sealant design, profile, supplier, quantity available locally and lead time — and identify who will perform the method and answer for it if it fails.

One caution, stated plainly: nobody can promise you a full replacement. These claims are settled every day and denied every day, and the difference is almost always the quality of the documentation rather than the force of anyone’s opinion. That is what this library is for.

Tennessee goes further than the policy language and regulates appearance directly — TDCI Rule 0780-01-05-.10 requires replaced items that do not match in quality, colour or size to be brought to a “reasonably uniform appearance,” according to the applicable policy provisions, at no cost beyond betterment and the deductible. Georgia and South Carolina have no equivalent regulation; there the argument runs on the policy language, the unfair claims practices statute, and the claim-handling deadlines.

The five kinds of proof in this library

Not every document here says “discontinued.” Some of the most useful ones never mention the word.

Discontinued 37 documents
The product is no longer manufactured.
Do-not-mix 32 documents
The manufacturer states its own products cannot be combined.
Repair method 17 documents
The manufacturer rejects or limits spot repair as a method.
System requirement 25 documents
The repair cannot be confined to the damaged area.
Specification 15 documents
What the original product actually was.

The last two categories are the ones carriers rarely anticipate. A system requirement document does not argue about your shingle at all — it establishes that the underlayment has to lap over the ridge onto the next slope, or that the water-resistive barrier behind your siding is a continuous taped assembly. Either way the repair cannot be confined to the damaged area, and the estimate that says otherwise is describing something that cannot be built.

How you actually prove it

  1. Identify the material in writing. “I think it’s Chalet” is not evidence. Get the manufacturer and product line identified by someone qualified, in a dated document.
  2. Find the manufacturer’s own statement. That is what this library is. A discontinuation notice or do-not-mix instruction turns your position from an opinion into a documented fact — and it is the manufacturer’s fact, not yours.
  3. Photograph what stays, not just what broke. The dispute is decided on how a repair sits against the undamaged remainder.
  4. Find the leftovers. The bundle in the garage, the wrapper in the attic, the builder’s spec sheet. People throw these away and then need them.
  5. Do not let a patch happen first. Once a mismatched or incompatible repair is installed, you are arguing about something already done.

The date of loss matters as much as the material. If you are not certain when the damage happened, our Storm Intelligence ledgers carry every significant hail, wind and tornado event in the counties we serve, with the official federal record behind each one.

Questions homeowners ask

My insurer says a similar shingle is available. Isn’t that enough?

That is the question the whole dispute turns on, and the answer is not automatic. A substitute being purchasable is not the same as a substitute being compatible with what is already on your roof. Dimensions, exposure, tab geometry, sealant placement, nail zone and thickness all have to work with the existing field — and the manufacturers themselves publish do-not-mix instructions saying certain products cannot be combined. Sixteen of the documents below are exactly that. Availability is not compatibility.

Do they owe me a matching roof?

Careful with that word. "Matching" is the carrier's label, and arguing appearance means arguing on their ground. Your policy promises replacement with material of like kind and quality — a replacement-cost and indemnity obligation, not an appearance theory. When the installed product cannot be bought, the question is whether the covered building can actually be restored with materials of like kind and quality. That is a question about compatibility and repair method long before it is a question about how the roof looks.

What is an ITEL report, and does it settle this?

ITEL is a laboratory that identifies roofing and siding material from a sample, and carriers use it constantly. It is genuinely useful evidence of what your material IS. What it does not do is certify that a proposed substitute will integrate with the existing assembly — identification is not compatibility. Read an ITEL result as the beginning of the analysis, not the end of it.

Why are these documents free?

Because a homeowner arguing with an adjuster needs the manufacturer's own words in hand today, not after signing up for something. Everything here is free, with no login and no email gate. If a document turns out to matter to your claim, the free case review is the next step — but the library does not depend on it.

Are these the complete documents?

Yes. Each PDF is the manufacturer's document as issued. Where a letter was addressed to a specific homeowner, that person's name and street address are blacked out and nothing else is touched — the operative text is never redacted. We publish the whole thing precisely because a partial quote is what a carrier does.

My product is not in the library. Does that mean it is fine?

No. This library reflects the documents this firm has gathered handling real claims, not every product ever discontinued. Manufacturers retire lines, change dimensions and revise colours constantly, and a product can be unavailable in your market with no national notice at all. Absence from this list proves nothing either way — and if you tell us what you have, we will look for it.

Written by Joshua Friedman, founder & lead public adjuster, Friedman & Associates Public Adjusters — licensed in Georgia, Tennessee, and South Carolina. This page is general information, not legal advice; statutes are quoted from and linked to the official sources in our Reading Room.

If your material cannot be bought, that is an argument — and it is ours. A carrier pricing a handful of shingles for a roof that can never be made whole again is taking a position, not adjudicating your claim. The case review is free, and you pay nothing unless we recover.

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While you wait: three things never to say to your carrier
  1. "It's probably been like that a while." Guessing at timelines hands them "wear and tear," the most common denial in the book. State only what you know.
  2. "We're fine, it's not that bad." Politeness gets priced in. The full damage isn't known until it's professionally documented, so never minimize on a recorded line.
  3. "Sure, I'll give a recorded statement now." You can decline politely until you've spoken with your representative. One innocent guess can follow your claim forever.

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