If you believe that your roof is covered by the terms of your policy and the weight of the evidence supports this but Farmers is, in effect, blowing you off then you should complain to the state board of insurance.
They will not ignore an inquiry from them.
I have done this myself, it does keep insurors in check.
If, however, you are not the OP and you think you know more about this guy's roof than he does you are wasting your time posting a reply.
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