There are a few things you can do to find out if your insurer is out to cut your hail claims. It’s important to check for changes in your renewal policy. Things like refusing to cover roofs of a certain age (like 10 years). Or doing roof inspections that note the condition and age of the roof before issuing a policy
The largest disadvantage to consumers are insurers who pay actual cash value rather than replacement value for roof damage. If you have cash value roof coverage your roof claim will be discounted by your insurance company based on how old your roof is.
There are a few things you can do to protect yourself. After storms don’t respond to offers claiming you can get a free roof. Also only let reliable, and experienced contractors examine your roof. It is also wise to speak with an independent insurance agent who can look over your coverage and you give other coverage options.
EMERGE INSURANCE AGENCY