Hello. Had a hail insurance claim on our roof in 2020 and got a new one. Had hail come through a couple of months ago which did lightly dent the truck up. Would making a claim on the roof again cause insurance to be dropped/go up? State Farm. Thanks..

Lefty knows……….

Having a hail claim in most states won't cause your policy to be cancelled, as weather-related claims are unavoidable and not the fault of the homeowner. If there has been a large number of claims in a certain area insurance rates could be increased for insureds in that area.

A simple call to your State farm agent will remove all the guess work.

With some light hail damage ...they have teams of Paintless Dent Repair ( PDR) guys

They do a great job. Have had acorn dented cars ...that were going back...cuz the

Lease was up. Guy came to the shop ...and all those dings disappeared.

Progressive said it has zero impact on our policy the wife and I had hail damage at different times they still carry us.

Those are as good as I can get after having to crop them.

They will send their adjuster out to figure all of that out for you.

I'll check the ridge caps. Shingles are Malarkey and supposed to be pretty good/withstand some hail.

I see a company that seals your old roof rather than redoing it you could look into that maybe.

I talked to a insurance adjuster who said ins companies are going to start looking at roofs like a set
of tires,and only pay for what tread is on the shingles. Every time we get a hail storm in our area
it brings out the roofing crews looking for ins jobs.

If you need to replace the roof again, ask your insurance company how much the discount is for getting "impact rated" shingles. We had ours replaced 15 years ago. At the time it was like $1,000 more. We've recouped more than that in insurance savings since. But the best part is, there's been more hail storms and we see our neighbors getting new roofs, but ours is fine.