You do not get dropped from your insurance. The Villages Insurance is a representative of various insurance companies. If your rate goes up you can ask them to shop around for a cheaper rate for you. After my roof was put on my cost went down 100.00 from my insurance company. Many insurance companies will not insure a home with a roof over 20 years old or the rate may be higher. If you truly had damage then you only pay your deductible. My rate will probably go up but never to the cost of a new roof that I would have to put on if not damaged and only age related.
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