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In Reply to: RE: Allstate is joining State Farm... posted by AbeCollins on June 3, 2023 at 07:26:10:
...roofing work isn't necessarily cheap, especially on that kind of roof. I don't know specifically about concrete tiles, but I have slate, and replacing the occasional damaged slate/tile is not cheap.
Regardless of what your roofer estimates, it is ultimately up to your insurance adjuster to set a "value" on the repair. Wait to see what they say.
OTOH--I don't know what kind of stance your insurer has regarding adjusting (raising) annual policy rates due to claims history. You may (or may not) benefit by paying out-of-pocket vs filing a claim. If the adjuster sets the amount at far in excess of your $2K deductible, you could/should file a claim, but inquire whether this claim is going to raise your policy rates--forever.
If the adjuster says $4500, and your roofer says $2500, it's a toss-up. Do you get the roof repaired for "free" and gamble on what any rate-adjustment will be, or just eat the cost of the repair, and not file a claim?--IDK what to tell you...
"And today is for sale and it's all you can afford. Buy your own admission. The whole things got you bored. Well the Lord chooses the good ones, and the bad ones use the Lord"--a very dear friend for decades Michael Stanley (Gee)--RIP
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- You might be (un)pleasantly surprised... - dark_dave56 00:24:36 06/06/23 (0)
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