Don't bother the insurance companies. You've already tried to make a claim for what is likely normal wear and tear, that's now on your record!!! Bad move. When you switch insurance companies, they will see your claims history. IMO, find a reputable roofing company and pay for the worn-out roof yourself. Maybe do some damage control with your next insurance company and tell them some less credible roofers assured you it would be covered by insurance. However, having a more qualified independent assessment you now know it's normal wear and tear, and would like their recommendation on more trustworthy roofing companies for you to hire and replace at your cost so you can start out fresh with the new insurance company. IT DOES HURT TO FILE CLAIMS, at least in every state I've lived. IMO, unless the damage is more than you can afford after the deductible, just pay for it. Save the insurance rate increase or cancelation!!
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