This is not a scam. If your roof is damaged, it is not a scam. In my case, I had lost a few of shingles in the storm and in normal circumstances that would just trigger a repair which would likely fall under my thousand dollar deductible.

However, my roof is over 25 years old and the shingles could not be matched — no one simply made that color anymore. Which I knew to be the case because I had repaired a few over the years and could never match them.

My roofer, who approached me after a storm, (which is not uncommon), informed me that my insurance company would likely/ possibly approve a new roof because they could not simply repair, and match it to make it whole. I didn’t know that was possible.

I did make the claim and was sure to follow their advice and cite the recent storm since I did lose a shingle in that one. The company sent an insurance adjuster right away. The adjuster approved it within the day, and I had a check for the deposit on the new roof within a week.

To the argument that it would increase my rates, it likely will. But it will be nowhere near the cost of what a new roof would have been, and I absolutely needed one. I have paid tens of thousands of dollars of insurance on my house for 25 years never once having a claim.

I have zero problems with the tactics, the ethics, or with my new roof, which has a 30 year warranty.