Quote:
Originally Posted by Ladygolfer93
So, are you saying your premium is $650 like some have said on here, and you refuse to pay it when you get a premium rate increase, they will leave it the same for you ??? I think there is more to it...... been to two agencies now and going to a third for an opinion. Two have said #1 it will be nearly impossible to find a company to insure a home with a roof more than 15 years old, and, nearly 100% if you are accepted, the premium will be even higher. One thing for the many on our street who got the new "free" roofs this summer...... those whose insurance bills have come find they WERE LOWERED..... and pretty substantial at that ! So, if you are willing to make out a false claim of roof damage, you get a brand new roof for the cost of the deductible AND you get a significant reduction in your annual premium. So, allowing "inspectors" does pay ! I have witnessed that right on my block !
|
I would never allow a door-to-door roofer to inspect my roof. These are predators trying to defraud your insurance company. Some of them will deliberately damage your roof to get a claim approved. The honest way to do it is to contact your insurance company directly and have them send out an adjuster to inspect the roof. If you don't agree with their inspection, you can hire an independent inspector for a second opinion. If your roof is more than 15 years old, you should consider replacing it anyway.
If my insurance company were to raise my premium by 50 percent or more, I would shop around and change companies. It does not pay be loyal to any one company. Also, I do not think your agent has the power to negotiate your premium to a lower rate. All they do is collect whatever premium the company sets. The rates are set by the company, not by the agent. And, I don't think filing a claim has much to do with the premium you pay. Homeowners insurance does not work the same way as auto insurance regarding individual claim history and premiums.