我住Georgia。 我的屋顶十七年了。之前找人看过被告知状态还好， 应该还有十年寿命。去年四月份，我们这里下了冰雹。 我请了roofing contractor来检查一下屋顶。Roofing contractor告知屋顶多处被冰雹砸坏。然后我就联系了保险公司（Heritage）做了claim.
很快保险公司派人来做了评估。Inspector 告诉我屋顶多处有明显的冰雹损伤，他会建议full roof replacement. 可之后保险公司的结论是只提供cosmetic repair cost 并寄来了支票供。我再次打电话给inspector， 并确认他给保险公司提供的inspection report确实是建议full roof replacement. 我联系保险公司， 问为什么没有根据inspection report赔付 full roof replacement 并要求他们提供 inspection report, 得到的回答是“我们认为这是合理的" 并拒绝提供inspection report.
经过多次的沟通协商， 保险公司同意再找一个工程师做inspection。保险公司请了US. Forensic的工程师做了 inspection。The engineering report 确认了冰雹损伤 ，结论是 given the age of the roof, the overall weathered condition of the shingles and other non-weather related detriments to the shingles, we would not recommend replacement of the noted individual shingles 。也就是说他也建议full replacement.然而保险公司还是坚持只赔付 repair cost但 这次他向我提供了US. Forensic engineering report。
我联系了州里的consumer service division。他们和保险公司联系后给我的答复是we are unable to reverse or overturn any decision currently or previously made by the insurance company。There is nothing in the law that gives this office the authority to mandate an action from an insurance company。You have the option of invoking the Appraisal Clause，
我联系了保险公司要求invoking the Appraisal Clause。得到的回复是the appraisal provision within the Heritage policy is applicable to disagreement of the amount of your loss. Your dispute is related to the coverage afforded. For this reason,Heritage must deny your request for appraisal。
总而言之，保险公司就是不同意赔付 full roof replacement (尽管两次inspection都建议如此）。我的roofing contractor （他一直参与我和保险公司的交流）建议我找律师。请问老猫，你建议我找律师吗？政府有什么部门有法律权限监督保险公司吗？保险公司想赔多少就赔多少就没人管吗？
万分感谢！
