Shingle Replacement through Insurance

Was roof damaged by storm?

Did this roofer actually tell you there was damage on your roof with photo evidence (or anything you can see yourself)?

Normal wear and tear is not covered by insurance

Yes there was some damage from the wind and he did show me pictures. Shingles are okay but replacement would be better to avoid future issues.

My question is not whether it's covered or not, I just want to know that if I put a claim and it's not covered, are you still responsible for deductible?

It only cost me $4000 to do my entire roof last year ... not a big deal ... got minimum 10 years of worry free ....

no point in wasting time and headaches going though insurance unless the wind RIPS OFF 1/4 of your roof

Cant believe ppl actually want to make claims just for the hell of it

First, you'll have a deductible to pay. Second, insurance will only pay for damaged shingles, and not to replace the whole roof. If only one side have damages, they will only pay for this side

You do not have to pay deductible if you inquire to your insurance but do not claim. But, from there, insurance will know that you have damaged shingles, and if there is any claim in a near future for water infiltration damages, then you may have a hard time claiming for those amages as you, and the insurer, previously knew that the shingles were damaged

Doesn’t make sense to put in a claim on a 12 year old roof unless you have no other choice. It’s close to the end of life cycle depending on type of shingles. I would think something like this would fall under maintenance of property, cost of ownership.

ashrem wrote: ↑ Yes there was some damage from the wind and he did show me pictures. Shingles are okay but replacement would be better to avoid future issues.

My question is not whether it's covered or not, I just want to know that if I put a claim and it's not covered, are you still responsible for deductible?

No you don't have to pay the deductible if it's not covered. Even though you're not asking, no, insurance won't pay to redo your entire roof. It will only pay for the damaged section. It sounds like the damaged area is small so it will cost less than your deductible so there's no point in making a claim.

jdmfishingonly wrote: ↑ It only cost me $4000 to do my entire roof last year ... not a big deal ... got minimum 10 years of worry free ....

no point in wasting time and headaches going though insurance unless the wind RIPS OFF 1/4 of your roof

Cant believe ppl actually want to make claims just for the hell of it

Hi,

I'm planning to get my roof done this year.. could you share more details like what shingles you used, what all things you got done, area, labour cost etc.? Feel free to PM if you prefer.
TIA

i'm going through a claim right now due to a windstorm a couple weeks back. i lost a huge patch at the front right of my house and i have ripped and broken shingles all over other areas too. the roof is from 2016 (before i moved in) and i've had a bunch of roofers in looking at it and all saying i need a roof replacement as it's too bad to patch up. I'm going through insurance right now and they're assessing a replacement vs an emergency repair.

one thing they made clear to me though is that if i don't proceed with the work, it doesn't affect my premiums and there is no claim on my record. Because my deductible is so high, i'm only going to put the claim through if they provide me with a roof replacement. Anything less and i'll just get it patched and prepare for the next windy day until i can afford a total roof replacement.

jansh84 wrote: ↑ Hi,

I'm planning to get my roof done this year.. could you share more details like what shingles you used, what all things you got done, area, labour cost etc.? Feel free to PM if you prefer.
TIA

I recommended my roofer to a buddy of mine in Stouffville and she said that she don't do that area ... she said she's based out of Durham and only does Durham.