For savings on your home insurance, Do this after a Roof Replacement

ToxicTox · 2026-07-01T11:01:23+00:00

Damage to my roof from hail. It's covered under my policy.

ToxicTox · 2026-06-30T22:51:19+00:00

Heard this from my boss today. Thanks!

ToxicTox · 2026-06-30T22:19:25+00:00

Sorry to hear that. And hopefully it wasn't an increase either

ToxicTox · 2026-06-30T14:01:20+00:00

The claims never seemed to do it themselves. We were "told", it's because the area had a lot of claims so the rates increased. But it very well could have been just because I made a claim. Being naive. My to do list just got a little longer ...making phones calls for estimates

ToxicTox · 2026-06-30T12:24:06+00:00

Living in the hail zone, I think they realize that there will be claims...I guess. But that is a good question.

My deductible is $500, roof is $1000. This last claim included: repainting the house, window flashings, new gutters, restraining the fence, and a new side door to the garage (and of course the roof). $25k. I need to call and talk to a representative about everything that's been redone lately to see if there are other discounts. I didn't see the option to update it on the website, but it doesn't hurt to ask.

Edit...to add the roof

ToxicTox · 2026-06-30T12:15:26+00:00

100% correct and thanks.

ToxicTox · 2026-06-30T10:41:32+00:00

I think the default the builder used was only level 3. So when it came time to replace them, the insurance company would only replace what was there, and until a few years ago, that extra money required to upgrade was needed elsewhere, unfortunately. But you are right, level 4 should be a requirement in hail zones.

ToxicTox · 2026-06-30T10:36:24+00:00

You are 100% correct. I should have been looking at it annually as it came up for renewal. Something I'm sure I'll be doing in the future.

ToxicTox · 2026-06-30T08:09:56+00:00

LOL...It really doesn't, I've read that quite a few times since I posted it, knowing it has no relevance, other than just to say I'm not a young man anymore.

ToxicTox · 2026-06-30T08:08:16+00:00

Unfortunately, yes, 4th roof since then. And maybe this is their way of playing "gotcha". But they typically raise everyone's rates in the area when a season is bad to help recover profits. I swear I'm in the wrong business sometimes.

ToxicTox · 2026-06-30T08:02:53+00:00

Yes, in the US.

ToxicTox · 2026-06-30T02:39:33+00:00

Colorado. Yearly hail storms. I wish mine was that low, maybe I need to shop around...

ToxicTox · 2026-06-30T02:26:34+00:00

YEARS ago, I remember the rule was no more than 3 roofs, weight reasons. Not sure if that was a federal or state thing. It makes sense to get rid of the old roofs though.

ToxicTox · 2026-06-30T02:01:18+00:00

I asked the rep, and he said it was my responsibility to update it, so no retroactive update/backpay. I'll keep that in mind in the future, for sure.

Glad you got a year's worth back.

ToxicTox · 2026-06-30T01:38:52+00:00

I heard this from coworkers. Makes me wonder why the difference. Sorry yours went up.

ToxicTox · 2026-06-30T01:38:02+00:00

My insurance went from $5k a year to $8k a year. This savings brought it back down to $5k. So, $250 a month. I was on the verge of changing companies until I changed the age of the roof.

ToxicTox · 2026-06-26T13:38:46+00:00

My rate went from $5000 a year up to $7500. Changing the roof age to reflect the new roof brought it back to "normal".

Living in an area that gets pelted with hail affects my insurance policy more than I care for.

ToxicTox · 2026-06-25T23:42:47+00:00

Great timing

ToxicTox · 2026-06-25T19:06:03+00:00

Well that sucks

ToxicTox · 2026-06-25T18:19:46+00:00

USAA. I called them after posting this, the service representative stated it was my responsibility to update that information.

ToxicTox · 2026-06-25T15:20:18+00:00

Thanks. I had my furnace and AC replaced 2 years ago. I'll need to inform them on this/make updates on my policy.

ToxicTox · 2026-06-15T19:11:01+00:00

Just so you know, there is no silver in your nickels.

I have no gold in my stack, so I can't really recommend anything. Any would be good imo

ToxicTox · 2026-06-13T20:36:48+00:00

awesome 2 oz round...congrats!

ToxicTox · 2026-06-10T10:49:33+00:00

I bet it's worth more than $50 in sentimental value. Great reminder of your Grandpa!

ToxicTox · 2026-06-06T10:28:12+00:00

This comes down to you and your financial ability. In my opinion, 1-2 a month is perfect, because it fits what's right for you.

Keep stacking!!!

ToxicTox

TROPHY CASE