re: Isnurance company denied my roof hail damage claim. Options?

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”Other Structures” (like a fence) are usually covered for actual cash value (aka depreciated value) because they have short life expectancy compared to the actual house. Thats not unique to State Farm

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Yea, on almost all HO3 policies in Louisiana, a non-building structure (a building structure is typically defined in the policy as having a roof and walls) is paid out on an actual cash value basis. A repair is not typically deprecated but a replacement is, this is why a repair typically puts more money in the insured's pocket than a replacement even though the homeowner gets pissed that they are getting a repair and not a replacement.