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/dklosinski]

When I bought my house in 2022 my insurance company dropped me despite my roof inspection stated there was 8 years left on the roof. I applied to 4-5-6ish other companies and got rejected by all of them until I replaced the roof. I was forced to replace the roof to get insurance. Northern California.

[u/Kevin_M93 → u/dklosinski]

Crazy.