West v. State Farm · CJ-2025-135 · Exhibit 10
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Fewer full roofs became “improved quality”
Using an Accenture “Industry Best” benchmark of 5–10% full roof replacement, State Farm tracked its total-to-partial roof ratio falling from 4.5-to-1 to 1.6-to-1 and prepared the result for senior leadership. For customers, “quality” increasingly meant a partial repair instead of a full roof.
Industry Best FRR on light wind and small hail averages a 5-10% frequency
- outside benchmark
- full roofs
- results tracking
Source: Released court-filed record · filed PDF pages 48–52. The source page is preserved; Friedman & Associates’ attribution sits outside it.