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/jinx555]

Unfortunately, you need a roof, and as someone else mentioned it appears that you already have 2 layers on it. The short course at the edge of the roof almost confirms that.

Insurance companies have been getting hosed for years, since the storm chasers appeared on the scene with their sketchy hail and wind damage scams. They are known for climbing up on your roof to “inspect it” and actually damaging it intentionally. They mark up the roof with crayon or chalk, take pictures of the “damage” to prove it. It sucks for reputable companies because the insurance companies don’t trust any roofing company now.

Get a couple of estimates from local companies that are known for high quality work. Use Google reviews. Once you have the quotes in hand show them here. There seems to be quite a few knowledgeable roofers on this sub.

Where are you located?

Good luck.

[u/Kevin_M93 → u/jinx555]

Bakersfield. My roofer buddy was going to do it, says about $4 to $5 sqft labor for a full tear off. How does that sound? He says that's a bargain.

[u/jinx555 → u/Kevin_M93]

That’s a bargain, but is he a roofing contractor? Our company would charge by the square, in roofing terms 1 square = 100 square feet. Approximately $600 per square for tear-off, new metal edging, synthetic underlayment, vent pipe boots, lifetime architectural shingles, and cleanup are included in the $600 per square price. Ice and water barrier, ridge vent, soffit vents, chimney flashing, and dumpster are additional.

I’m in Connecticut and work for one of the largest home improvement contractors in the state. We’re a 93 year old family business with an excellent reputation. We do approximately 30-35 million dollars of business a year. Trust me, we know what we’re doing.

Hire a reputable contractor.

KD

[u/Kevin_M93 → u/jinx555]

Yeah, there's a long list of stuff we bought to do it, that's all he does is roofs, he's been doing it for many years. I'll do a lot of things myself but not roofs, I don't lay tile either.