Roofer Gambles With HOMEOWNER'S Insurance Claim Record

[@JordanKolberg]

Zero pay claim doesn't penalize you for checking your roof after a storm. They also will not raise your insurance rates for this - that is ridiculous. Insurance rates are raised by ZIP code, not per individual claim for an act of god.

[@MatthewHendren]

PREACH!!!!

[@homesteadroofing]

I did not say it will raise your insurance rates. But having a zero-pay claim does count on your record here in Colorado.

[@zdwade]

You’re speaking out of your ass. Zero paid claims can definitely get you dropped and impact eligibility with other carriers. Insurance companies care almost more about propensity to make claims vs claim amount.

[@Anthony-tb6er]

@@homesteadroofingyou insinuated that the rates would go up.

[@HunterStanley-mm2df]

Bro dead Fr trynna mess other roofing ppl

[@RoofingFacts]

There's also something to be said about the CAT storms like in Castle Rock, Parker, etc. right now. Regardless of if YOU file a claim or not, if a large percentage of the area is filling claims, the insurance company will likely raise rates for the storm area anyway. So you get punished because all your neighbors filed claims.

[@eze2190]

You’re correct that if the entire area gets a rate increase. What you’re missing is that every customer has an insurance score tied to their policy like a credit score. Your premium can easily be adjusted based on your insurance score. Trust me, I know

[@alexlorio780]

This is not true in the state of Louisiana

[@mikeharvey]

Great consumer insights!

[@terrybarnes7932]

Labor and materials, claims in area of insured property, catastrophic weather events.. only three reasons rates will increase if you file one or two claims it won't hurt you.

[@FreezyD-ub3hp]

I learned that tip from experience...

[@MA-vk1md]

Have you ever heard of the homeowner insurance company called Openly?

[@homesteadroofing]

I have not.

[@rhondabailey4047]

I need help with insurance life with Colorado whole life how to get my money on premium back

[@homesteadroofing]

We can't help you with insurance problems, especially life insurance

[@the-guy-on-your-moms-couch]

This dude is a roofer not an life insurance agent ffs

[@stewbeats3171]

Personallly seems like an insurance problem, like what reputable company drops a customers just to see if they have storm damage that is covered by there policy. Also the rates will go up either way and so will the codt of getting a new roof

[@zdwade]

Because it shows you are likely to make claims and cost the money company. Insurance isn’t a charity.

[@stewbeats3171]

@@zdwade so it shows that you pay for a service and then when you want to see if you can use the service, they get mad?

[@zdwade]

@@stewbeats3171 insurance isn’t a home maintenance program. The homeowner is responsible for wear and tear. But do whatever you want. Insurance is there for catastrophes.

[@stewbeats3171]

@@zdwade okay hail storms isn't wear and tear lol. If you're paying over $400 a month for someone to protect you against weather damages on your roof or any part of your house you should be able to give them a phone call and have them send someone out verify that amount of damage

[@Anthony-tb6er]

@@zdwadeI can’t believe you defend these insurance companies.

[@StevenBarnes-z9j]

I know quite a few contractors in Southern Colorado that call in every single roof every time even when they know it probably won't get bought, even when there's not any damage and they're aware of it. And all they do is just sit there and bad mouth the insurance company the whole time when it gets denied because that shadow on the roof or that thermal crack, or that blister and it's all just not covered and it shouldn't be. The worst of which is ameripro and Premier though. I'm not convinced that those companies don't work for the insurance companies, because they go around and say that every single house should be called in even before they've been on the roof and even when there hasn't been a storm in the area.

[@homesteadroofing]

I wish I could reach every homeowner with this video - kzbin.info/www/bejne/Y6jTl39_q85pgdE

[@irishsavage8715]

Tell me you don’t know shit about insurance without telling me. That’s not at all how insurance claims work and you of all people should know that. They legally cannot raise your rates based on a claim. However, if you bring to their attention that there is potential for an act of God and/or occurrence that would possibly damage your home then yes. But if you are a homeowner who cares for their home properly and gets annual inspections and you should have nothing to worry about to begin with.

[@homesteadroofing]

Thank you for your thoughtful and gracious comment. In response, I would say that it is you that doesn't know what you're talking about. The more claims you have on your record, the more of a risk you are to an insurance company. The more risk you are to an insurance company, the higher your rates will be. It doesn't take a genius to figure that one out. As to your comment about having "nothing to worry about..." try explaining that to the homeowners in Colorado, Texas, Oklahoma, Florida and several other states who have had their insurance rates double and triple in just a few years.

[@anthonydampier5184]

Homeowners should not be punished for taking responsible action to maintain their property. Roofers aren't the problem here; it's how insurance operates. The insurance industry operates on a risk-based model, and various factors influence an insurer's decision-making process, like filing a claim, disrepair of wear and tear damages, and living in a storm-prone area. Reforms and increased fairness in the insurance industry can help ensure homeowners are not unduly penalized for responsible actions to maintain their properties.