Like most, my homeowner insurance premiums have gone through the roof ( no pun intended ). I need to shop around and get a lower rate. It comes due for renewal, the end of March.
But also, I need a new roof. Current roof is 12 years old. Its showing signs of wear. All of my neighbors have gotten new roofs over the past few years as we've had some substantial hail storms.
Do I change insurers then file a claim on the roof ?
Or go ahead and renew, file the claim, then shop for a better rate ?
Gal that cuts my hair recently got a new policy with State Farm, but after inspection, they denied her coverage because of some big trees around her house. And her husband has some cars he's rebuilding that they objected to.
I'm thinking my roof may not pass inspection with a new insurer.
But also, I need a new roof. Current roof is 12 years old. Its showing signs of wear. All of my neighbors have gotten new roofs over the past few years as we've had some substantial hail storms.
Do I change insurers then file a claim on the roof ?
Or go ahead and renew, file the claim, then shop for a better rate ?
Gal that cuts my hair recently got a new policy with State Farm, but after inspection, they denied her coverage because of some big trees around her house. And her husband has some cars he's rebuilding that they objected to.
I'm thinking my roof may not pass inspection with a new insurer.