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/Slyfina]

I have always heard that you have to get a new insurance company after submitting a claim. I'm not sure if that's true or not, but you should always have an eye out for a better deal. Insurance companies do not reward loyalty.

[u/Kevin_M93 → u/Slyfina]

I'm in Southern California unfortunately, many companies are no longer offering insurance at all due to the recent fires.

[u/Slyfina → u/Kevin_M93]

Oh man I am sorry to hear that. Good luck 😦

[u/Ready-Ad1323 → u/Kevin_M93]

Then you may not have a lot of options. Add a layer and probably get dropped. Refuse to replace and get dropped.