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D.J. Schloss, left, and Doug Metz, right, shovel off a roof on Abbey Lane in Alden, N.Y., Nov. 20, 2014. The weight of the snow caused problems around the area with roofs collapsing and buildings compromised. (AP Photo/Gary Wiepert)

Question. I have a homeowners’ claim in Maryland with Allstate insurance. It is Allstate’s AP2 policy, which is all-risk and a replacement cost policy. The Building Structure Reimbursement section reads (in the Our Settlement Options section for coverages A &B)

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