Quote:
Originally Posted by GreggC69
New territory for us as this is our first hurricane season in The Villages. The deductibles for roof repair are higher since it is "hurricane related" and the higher deductible applies. Are most roofs where there is a section of shingles missing (say 15ft X 5ft) just replaced for that section or is an entire replacement required? Given the cost of the deductible, and the likelihood of increased premiums from the insurer, do most just pay for the repair for just that section and do so out of pocket without filing a claim? Thanks in advance.
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Get the adjuster out first before you decide. Each insurance company is different. Mine for example is all about matching - which with an older roof will not happen, so the roof gets replaced. Second part - there is no guarantee either way - so do NOT assume your premiums will increase. That is dependent on so many factors, both company wide and individual.
Also keep in mind, if you patch it and it doesn't match (which over time it may never match) it will effect your time on market when you sell your house.