On Dec 5, 2:13 pm, "Joseph Meehan" wrote:
"Roof Time Cincinnati" wrote in ... On Dec 5, 7:55 am, "Joseph Meehan" wrote:

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--
Joseph Meehan

Dia 's Muire duit

Hmmm..dunno if I agree Joe. Here is why. A claim file is opened with
every inqueiry at your insurer. In Ohio an insurer will pay, just as
you said, but based on a periodic table of claims filed, risk
assesment in the future, and the total insured income pool...he could
be dropped by his insurer, for making a legitimate claim!

The damage sounded bad, but maybe not an entire roof. If it just needs
repaired, I would tell him to weigh his deductable against the repair
bids aginst the fact of has he made any prior claims..how long insured
and his overall credit rating...yes, that matters too.

I guess I am a lot less worried. I figure that is what I am paying for.
I have made a roof claim to my insurance company (I live in Ohio). The
funny part was it was for hail damage. I knew it hit the neighborhood hard
but I did not expect there to be any damage and I was expecting them to come
out and tell me all was OK. Well I did not know what to look for and yes I
had damage. They were very easy to work with. In over 45 years of
automobile ownership and 40 years of home ownership with multiple claims on
each, I have never been canceled, or had my rate increased related to a
claim I am on the same company for my home the entire time and I have had
only two companies insuring my cars. I have less distrust of insurance
companies than a lot of people.

I can't understand why someone you have insurance on something that they
were afraid to make a claim on.

BTW I believe you are right about that "could be" thing, but the
question is how likely is it?

--
Joseph Meehan

Dia 's Muire duit

Don't ever move to Florida! I can barley find HO's insurance and my
rates have TRIPLED in the last 3 yrs with NO claims.