West v. State Farm · CJ-2025-135 · Exhibit 21
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The first inspection supported a full roof
The contractor objected immediately, but State Farm issued two partial payments before reviewing the file. Leadership then found that the original test squares supported replacement and accepted the contractor’s scope, after the customer spent months fighting for the decision the first inspection justified.
the estimate should have been to replace the roof
- five-month delay
- full roof
- service recovery
Source: Released court-filed record · filed PDF pages 97–100. The source page is preserved; Friedman & Associates’ attribution sits outside it.