If he has replacement value insurance they will pay for a new roof without
any depreciation. On the other hand, if the roof was shot before the hail,
making a claim is a bit dishonest.


wrote in message
oups.com...
claim will definetely make future rate go up.

how old is the existing roof? lets imagine its 23 years old, with 25
year shingles.

if the roof needs replaced and a brand new roof costs 5 grand they will
divide 5000 by 25 years.... 200 bucks per year

so you might in this case get 400 bucks. if the roof is in visible poor
shape, cracked shingles, loose granules, curled, warped, cracked
flashing etc you will get less. flashing would likely get backed out of
the cost if it wasnt damaged by hail...

in a hailstone shell you have little to gain by a claim... sorry time
for a new roof