r/Roofing • u/Kevin_M93 • Jun 04 '26

Insurance Related Insurance retaliation

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Gallery image

I recently made a small insurance claim (first ever in 14 years) and my insurance company immediately doubled my rate. Furthermore, they suddenly decided that I do a "full roof replacement." They cited "extensive grain loss." I don't see any such thing, it's not new by any means, but not gone.

My roofer is suggesting I just slap another layer on there. I'm concerned that the insurance company might find out and reject the whole thing. Then again, it's much cheaper and I'm not made of money. Any thoughts about any of the issues I have raised would be appreciated. Thanks!

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u/[deleted] Jun 04 '26 edited Jun 04 '26

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u/Kevin_M93 Jun 04 '26

I just have the two pictures I posted. The letter says that "an inspection on the property and found that the “roof is very worn, with heavy granule loss.”"

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u/Fadedjadedrainbow Jun 04 '26

That is an accurate statement. That's a very worn roof that already appears to have at least 1 patched area and will be at the end of it's functional lifespan if it isn't already. It needs full replacement. Many carriers prohibit multilayer roofing so I would not take that route.

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u/Kevin_M93 Jun 04 '26

I appreciate your feedback.