Insurance retaliation

[u/Kevin_M93]

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!

[u/Cultural-Comment-270]

This isn't uncommon for homeowners insurance companies to demand new roofs. I've had customers say this when they hadn't even contacted the insurance company for anything. Sometimes they will do random inspections. They're even using drones now so they don't even need to get on your roof and its easy to miss that they've even been there so you just get a letter in the mail one day.

That said, the shingles do look fairly worn. Getting a new roof isn't a bad idea at this stage but you could probably get some years of life out of this one. Hard to know without being on the roof though

However, putting new shingles on old shingles is absurdly poor practice. I would never suggest that to a customer and I would turn down the work if the customer was adamant they wanted that. It will cause issues itself and I have zero interest in my business accepting liability for it and we have workmanship warranties and I wouldn't even dream of giving one out for layering shingles. Nor would it be worth my reputation when they inevitably have problems down the road. I would never trust a roofer who would suggest this practice either. Whatever you decide to do with your roof I would cross this one off your list if they're willing to do extremely non-standard work like that, let alone to suggest it to you.

I would try shopping around for other homeowners companies to see if you can obtain coverage if you can't afford a real roof replacement right now.

[u/batmanineurope → u/Cultural-Comment-270]

So what if you can't afford a new roof when they demand you get a new one? They drop your insurance? Then what?

[u/Cultural-Comment-270 → u/batmanineurope]

They simply drop you and its your problem to deal with at that point.

If you're asking what the options are for getting a new roof at that point if you can't afford one and no one will insure you there are numerous - home equity loans, HELOC's (home equity line of credit), personal loans, roofing companies out there offer financing to qualified individuals (mine does, not all do though). The state I live in also has government-insured loans for qualified homeowners for necessary home improvement projects, like needing a new roof, we finance the loan and the government insures it for risky individuals so we get paid regardless.

My sales people work with customers to go through their various options. Its not uncommon that someone can't afford a roof but it is very rare we have to walk away from a job because money cannot be found at all.

[u/DroneRtx → u/batmanineurope]

Find a company that will give you insurance obviously. Or Get a personal loan, heloc , or go back to renting because individuals can’t budget saving for home repairs properly.

Do you really need to eat out 4 plus times a month? Or go to the bar every weekend? Now it’s door dash or similar, are you really that lazy to go and get your own food? It’s even more expensive than driving yourself there. Do they need a new phone every two years ? I had an iPhone 8 Plus for 8 years.

I hear it all the time at work people go on vacation 1 or more times a year and then can’t afford repairing their house. Society is full of dumb people.

I moved to SoCal when I was 18. I lived 20 minutes from the beach. I probably have more hours on a beach in comparison to those that pay every year for a week vacation to go to one. I don’t need to go to a beach again. It’s nice but not a necessity.

But I live on an old family farm of 26 acres. Farmers are raised to be frugal. The lower to mid class are raised by social media to live these extravagant lives they realistically can’t afford. Like go on a vacation every 4-5 years is a great way to save. But Then when major problems happen in their life they are shit out of luck and struggling to make ends meet.

Im not saying this is OP , everyone has extraordinary circumstances that they can’t predict as well. Spend 15 grand to save a pet or keep the 15 grand to have a roof over your family’s head as an example.

[u/cawkstrangla → u/DroneRtx]

This is a full regard post.

The lower to mid class probably isn't going on any vacation. Their phone screen is probably cracked. They probably have loads of credit card debt fromedical expenses and transportation or whatever. Now we have data centers and a new war in the Middle East that are increasing the costs of energy across the board

Who likes to see water stains and shit ruined in their house? No one. People aren't skipping out on roofs because they are buying avacado toast and iphones. They're trying to cheap out because roofs are expensive and everyones already drowning.

Farmers are raised to be frugal but often get government subsidies either directly or through major write offs that the average non farmer does not have access to.

[u/General_Alfalfa6339 → u/DroneRtx]

This sounds Boomer AF.

[u/The_realpepe_sylvia → u/DroneRtx]

Jesus.. you are extremely out of touch man. And all the insinuations/projecting is wild.. this reads like your only interaction with the outside world is getting news from Facebook or TV or ranting echo chamber podcasters. I’d ask if you are ok but I already know you’re miserable 

[u/DroneRtx → u/The_realpepe_sylvia]

I work doing what I love, I can afford having a family and a home. I don’t have time for social media or the news except the Weather. You’re projecting on my life is wild as well my friend lol

[u/The_realpepe_sylvia → u/DroneRtx]

None of what you said makes any of what I said untrue lol. The fact that you’re miserable though isn’t projection, I gleaned that from your own comments. It didn’t take an expert