I was told to get a new roof installed, even though my inspection passed. They told me if I had a new roof installed, they would give me a discount. I did and they did. A year later, the premium went up 20%. The following year, it was up double of the original discounted premium. I went to my broker and said I wanted them to find me another provider. They said they could only save me about $50 a year. So, I went to another insurance provider suggested by "next door" or whatever that local blog is called. They cut my premium in half. There does not seem to be any model for how much they want to charge. I guess it is just set by how much folks are willing to pay. My wife insisted I search for a new insurance provider and I saved 50%. I have NEVER submitted a claim on a home. Seems like that should make some difference. Everyone in my neighborhood got their "free" roof, when I paid full price for mine. Mine old roof did not leak and there was no bad or missing shingles but it was 18 years old. My new roof is lifetime guaranteed with five years free labor.
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