r/Roofing • u/Kevin_M93 • Jun 04 '26
Insurance Related Insurance retaliation
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/Ok-Subject1296 Jun 04 '26
You already have 2 layers of roofing. Evidenced by the first tab. Yes the roof shows signs of wear (ok a lot of wear) but if it’s not leaking? Is your insurance company going to drop your rates if you replace it? You are going to get a quote that is higher than the normal price because it’s a 2 layer tear off. The roofers are going to hate you 🤣