West v. State Farm · CJ-2025-135 · Exhibit 26
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The internal water-shedding roof-damage test
State Farm Operational Guide 75-160 defines roof damage as reduced water-shedding ability or life expectancy, then applies test squares, cost thresholds, and a repair-versus-replace analysis slope by slope. Those internal rules determined whether a policyholder was offered shingles, one slope, or a full roof.
Damage occurs to roof coverings when water shedding ability or the life expectancy of the material is reduced
- filed guidelines
- wind and hail
- roof damage
Source: Released court-filed record · filed PDF pages 135–153. The source page is preserved; Friedman & Associates’ attribution sits outside it.