In November 2019 we had our entire house re-roofed (2800 square feet of foot print) and a separate 4 car garage that our insurance paid everything but our deductible.
Our roof was nearing 15 years old and I'd been patching blown and torn shingles for years. We had a tornado that hit a nearby area and the winds from that tornado brought hail and a lot of wind damage.
I didn't think anything about it, I simply picked up the broken shingles from the yard and glued them back down.
About 3 months later some guy from a roofing company pulled into our driveway convincing us we would qualify for a new roof because of the storm damage that happened 3 months earlier and he would work with our insurance company and all we would pay would be the deductable.
It really was too good to be true, but we thought .... you know ... we really do need a new roof on both the house and the garage.
So he went to work, and the insurance company approved it all. Well, we had our ups and downs with this company trying to keep them working, but after 6 weeks we had a new roof.
In fact, he fudged the price (over priced the insurance company) .... that the insurance company approved ... and that actually covered our deductible and we never had to pay anything.
We feel we got a brand new roof for both the garage and the house for zero dollars!
We had issues for a couple months, because the work was done in November and weather was cold. Before the shingles had a change to glue down, high winds kept ripping them up. Eventually, they got it right .... that's what took so long. They are 50 year shingles.
Did that affect our insurance rate? No. It's the ONLY claim we've had on the house (or any of our properties) in 30 years. In fact, it had been more than 15 years since we had any claims with our vehicles also with the same company.
(AllState).
I suppose the way home-owners insurance works all ... all depends upon your insurance company, your agent, and the way your insurance policy reads. We have a "replacement" policy on absolutely everything. The premiums are a bit higher than a normal type policy, but "replacement" means they have to replace what currently exists ... no matter what it costs. THAT is how we got a new roof.
