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Our log home was damaged by a hail storm In June 2013. Our insurance adjuster came and inspected the damage to our roof and to the logs of the house. She determined we need a new roof and we have damage to the logs on the west and north side of our home. The hail was large and actually pitted the logs. We had a company come out that specializes in staining log homes and he said the logs need sand blasted (not the exact terminalogy but you get the idea) to smooth out the pitting and then the logs need restained. Our home is ten years old and has been stained twice since the initial staining when it was first built. Each time it is restaind, the color gets darker. The stain we used before is also no longer on the market. Our insurance company only wants to pay to have the two sides that were damaged sand blasted and restained. It would absolutly not match the other two sides or even be close. Our home is worth $600,000.00 and we intend to retire in a few years and sell the home. The cost of the sandblasting and restaining for all four sides is $44,000.00 (Ouch! I know!) The insurance company only wants to give us $22,000.00 for the two sides. There is no way we could come up with the other $22,000.00 to do the other two sides. We live in the country with lots of other homes on our road and every house has had to have a new roof and new siding because of the severity of the storm we had. It was not just hail but high winds also. I thought there was some law in Ohio that was called "line of sight rule" that if a home was damaged by a weather related incindent that the home had to be restored so that all sides matched. We would never be able to sell our home with two sides that don't match. When you come up our driveway you see the north side of our home, which would be restained, and the front side which faces east and was not damaged by the storm and so would not be restained. Does our insurance have to abide by a line of sight rule????
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