Art wrote:
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.

It's never dishonest to make a claim like this. He's not
misrepresenting anything by putting in a claim. There was hail, there
was damage. It's then up to the adjuster to figure out what the
insurance company will do.

On the other hand, if the roof really was in bad shape and obviously
did need replacing prior to the hail, I probably would not put in a
claim. And if I was considering doing so, I would carefully read the
entire policy first, because with a $500 deductible, the amount you are
likely to wind up with, if anything, probably won't justify the
likelihood of higher rates in the future.









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