I posted this same message on the topic of shingle damage.
My home is 12 years old, and I just had my roof replaced three months ago and so did a number of my neighbors, for most of us it was painless. The company that replaced mind did all the approval work down to the color I was permitted to use and my insurance company which is Farmer had me only pay a $500 deductible.
Plus, they finished the job in three days even though they had to stop for rain occasionally.
One of my neighbors point out to me insurance companies would rather pay for a roof replacement, than having to pay not only for a roof replacement but also having to pay for whatever damage could be caused by rain pouring into the home because the roof was not replaced.
Have a company come out check your roof and find out how much your insurance company will cover; in my case I would have been out of my mind not to have it replaced for $500.
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