Despite that, Myers inspected the property and determined the modified bitumen roofs were hail damaged, while the EPDM roofs were not. Myers and Banks signed an appraisal award for $1,020,490.32 in replacement cost value, or $894,733.82 in actual cash value. Motorists Mutual paid only $265,296.21, covering what it considered “the covered damages that were awarded by appraisal,” and excluded the modified bitumen and EPDM roofs. On November 5, 2019, Mesco submitted a sworn proof of loss for the entire appraisal award, but Motorists Mutual did not respond.