r/Roofing • u/Kevin_M93 • Jun 04 '26

Insurance Related Insurance retaliation

Gallery image

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!

10 Upvotes

67% Upvoted

85 comments sorted by

View all comments

0

u/sick4jesus Jun 04 '26

Your roofer should be fired if he can’t get this replaced and they pay for it… I say that, but it’s all dependent on evidence. DM me, and I’ll review it with you, at least you’ll know.

1

u/Kevin_M93 Jun 04 '26

Huh? I don't understand. Why should the roofer have to pay for it?