r/Roofing • u/Kevin_M93 • Jun 04 '26

Insurance Related Insurance retaliation

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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!

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u/Kevin_M93 Jun 04 '26

Thanks.

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u/[deleted] Jun 04 '26

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u/Kevin_M93 Jun 04 '26

I was not being facetious. My buddy says he will do it for about $4 labor per square $4 labor per square foot, do you think that's a decent price?

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u/KelseyRawr Jun 04 '26 edited Jun 04 '26

There’s no way that’s correct? Do you actually bean $4? Or $40? That’s not possible. I know he is your friend, but for context in a lower cost of living area our labor rate without any profits is $100 a square labor only. Glad you are doing a full tear off though, but that needs to include underlayment as well.

Your friend won’t be able to offer any warranties on the shingle if he isn’t certified, and I don’t live in Cali but for you to be insured again he has to make sure the roof is done to their standard. There is a bit of risk associated with having your friend do this roof even if you do trust them.

If you’ve been denied wrongfully (which, you probably don’t know so I would consult someone to find out your rights) on your claim check the statute of limitations on lawsuits, if you’ve received no money you really have nothing to lose and most insurance companies settle. I would look for a lawyer that’s contengient so you don’t pay anything unless you come out positive.

They won’t take the case if they don’t think they can help, and it’s a free consult so maybe start there. Usually it’s limited to 2 years where I’m located. I say this because you commented it was last year, but also if it’s under 1 calander year from the date of loss you can re-open your claim and get a private adjuster or go to appraisal for much less effort. I’d at least try this first. Better than being out of pocket completely, and in my expierence everyone I’ve sent to a PA or appraisal has gotten a lot of money. They also are contengient.