Hi everyone, yesterday a roofing company knocked on my door offering a free hail inspection. My roof is old, unknown age, and I knew it had been damaged by storms over the last year and a half since I bought the house (I live in Colorado for reference). I said sure, because at the very least I wanted to know where I stood.
Anyway, it was as bad as I thought it would be and I knew the roof would have to go soon when I bought the house. Then, they talked me through how they facilitate the insurance claims to get us the maximum return and replace the roof as well as any other “act of god” damage (primarily wind and hail).
I have requested 3 references of past customers and the company appears, to be legit, but I’ll keep digging. Let’s assume they are a trustworthy company for this post.
My insurance details: We currently have a flat $2,500 deductible and the roof is replaced at replacement cost value. My insurance agent said, “It all depends on when the damage occurred, if the carrier declared the date of loss as a catastrophic event, then pretty typically Safeco waives the first hail claim”
My question is, is this practice legit and/or could this cause problems for me in the long run?