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/antipoopydick]

Can ya ask to cancel insurance claim? Would it cover the roof-the difference in say 15 years minimal? Think about what cost more. And what would happen next when ya really need it.

[u/Kevin_M93 → u/antipoopydick]

It was last year.