When you file a claim, it is placed in your CLUE report for the property. Insurance companies will use this to raise your rates and if you want to sell the property, a buyer will request it to see what damage may have happened to the property. A property inspector will take the clue report and go over the damage reported with a fine tooth comb and see it it was repaired correctly and no other issues secondary to the damage has developed. YOU CAN COUNT ON YOUR RATES BEING HIT BIG TIME. Remember insurance are not in the business of losing money. Get a rainy day fund, take a large deductible as you can afford and only file a claim in catrostropic incidents. Honesty is the best policy.

Sorry for being late to the game, but first off, if you'll shoot me your address (email in signature), I'll run an impact report for you so you can know if you even had hail or wind events. You'll need a date within the past 365 days in most cases.

Also, your rates will not increase because you made a claim. That's against the law, it's not a thing. Your rates can and will increase because half the state has a storm related losses. You will get to enjoy that rate increase regardless of what you opt to do with your roof.


Second, the claims process is complicated in how each carrier and adjuster handles it. They could get on the roof and see some wind damage and then see the hail damage and lump it all together and call it good to replacement. Or, they could let the whole thing be denied because there isn't enough wind damage and the hail damage is old and they won't consider it. Or…the dreaded third option….they could make you pay for a partial replacement leaving you in the position to pay for most of your roof, or all of the roof if you want it to match.

Did your roofer give you any pictures? To me, if I'm going to encourage a homeowner to file a claim, I like to at least show them some photos of what I see so they can be looped into the process.

Who is your carrier ? Do you have any pictures?

I try to consider all variables of a potential roofing project/claim when I'm working with folks. Do they want a new roof? Do they want to wait? Do they have damage? Is their carrier one I think will give them trouble? Do I think it has enough damage to warrant a claim? All of these go into the mix.

To circle back to the original question, yes, they can deny your claim and tell you the roof is not damaged and that's the end of it if you don't want to fight. An adjuster cares not that your neighbor got a roof. In my opinion, they don't care if youre the last roof that hasn't been replaced in the entire county. They evaluate each in their own merit and use that as an excuse for denying claims sometimes. It just kind of depends.

I am happy to talk on the phone if you'd like to give me a shout tomorrow. It may be more efficient and I can at least give you the rundown of how this may play out. It might help you decide how to proceed if you have more information to work with. I'm confident there isn't a set of variable I havnt helped someone walk through. Happy to help.