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Question DetailsAsked on 3/24/2017

My roof is over 10 years and a wind storm did some damage

My roof is over 10 years old aND a wind storm did some damage should I file a claim with my insurance company

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1 Answer


If the damage is significant - so repair cost likely to be significantly more than your deductible, then would probably pay off. Generally - around $250-500 to repair just a very few blow-off shingles, if you lost a lot of shingles (or pieces of) or had entire sections blow off then likely to be $500-2000 minimum to repair, so compare that (and maybe an initial bid for repair from a Roofer) against your deductible to get a feeel for whether it is worth filing a claim. However, bear in mind, you have to file a claim BEFORE the damage is repaired so they can see the damage - so you can't get it repaired and then decide if you want to file a claim on it.

Also - read the following previous questions wtih answers which include info on the somewhat more expensive Replacement Value or Replace Cost versus Depreciated or Amortized Value coverages. The first (depending on exact policy terms of course) generally pay for the repair/replacement (as applicable) to equivalent type of roofing with no adjustment for age, though you still pay the deductible portion regardless. The amortized or depreciated value policies figure the repair cost, then pro-rate that for the age. So say the repair is $5000 and the roof is figured as a 25 year design life roof (so higher-end shingles) then in your case they would pay 15/25 of the repair or replacement cost (so taking out the 10 years of life which has already gone by - minus your deductible of course. If instead you had the cheapest shingles so they said it was a 15 year roof, you would get 5/15 of the replacement cost paid for, minus your deductible. So might bear taking a look at your policy terms - but generally if more than a localized spot or two of damage then filing an insurance claim (which may raise your premiums say $50-150/year depending on your area and its likelihood of future wind damage claims) probably makes sense.

With some insurance companies they give a lot of help in selecting contractor, getting faster repair, and sometimes help screen out scammers and do a final inspection for their and your protection, so dealing through a good insurance company can make it simpler. With some others - like talking to a brick wall - not real helpful.

Course, there is the downside, as several of the referenced p[revious questions bring out, of dealing with roofers who can be helpful in dealing with the insurance copmpany and sometimes convincing them the damage is more than they initially want to cover (especially if you are not up to getting on the roof with the insurance adjuster to point out the damage) - but that can get you into the issue of teh contractor wanting you to assign your benefits to them and such, so potential downside there too.

Here are the previous question links:

Answered 3 years ago by LCD

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