shingles blown off roof from wind storm

[98sierra]

Is anyone going through their insurance?
If so is it worth it or just pay someone to get them repaired.

Thanks

[Macs II]

Don't put a claim in unless your house burns to the ground.

[MagicFingers]

Yes we are going through our insurance. My deductible is 1000$ and to repair it ourselves would be over 4000. Also something hit our window and broke it and the gate was ripped off the fence from the wind and the down spout on our house was also ripped off. So we are getting probably close to 8000-10000 in repairs for 1000 deductible.

My parents are also going through their insurance the sofit and fasha on their house was blown off.

[Peety]

Yes we are going through our insurance. My deductible is 1000$ and to repair it ourselves would be over 4000. Also something hit our window and broke it and the gate was ripped off the fence from the wind and the down spout on our house was also ripped off. So we are getting probably close to 8000-10000 in repairs for 1000 deductible.

My parents are also going through their insurance the sofit and fasha on their house was blown off.

How much will insurance go up after.

[MagicFingers]

Not enough to make me worry. It definately won't go up enough to make up or cost more in the end. besides my insurance is every year we don't put in a claim it goes down 10%....we have never made a claim in 12 years I have owned my house so I'm not worried.

[Super Gram]

Does the insurance not call this an act of god. They do in the states. Some friends of mine had terrible damage and the insurance called it an act of god.

[MaO3]

If you've not used your insurance before this you should only loose your "claims free discount"
Most people have a 5 or 10% discount, so you'll pay that difference come next renewal, BUT if you have another claim too soon you'll find yourself in a heap of trouble. Insurance company's don't want to pay more than one claim in 5 years.

[1337]

I do not believe in god, so they can't ding me for act of god. My insurance covers Wind and Flood. But at a $1000 deductible. I thought it was silly to get hurricane and tornado insurance, but i'm sure that'll bite me some day hahahahaha

[MagicFingers]

Does the insurance not call this an act of god. They do in the states. Some friends of mine had terrible damage and the insurance called it an act of god.

Nope this is exactly why we have insurance otherwise if your house got hit by lightening and burned to the ground the insurance coudl say it was an act of god to. We are covered for wind, flood, snow, natural or unnatural causes.

[steve]

Act of God.......is not in any insurance language...read your policy......ive read mine and no mention of God......

[KDawg]

Nope this is exactly why we have insurance otherwise if your house got hit by lightening and burned to the ground the insurance coudl say it was an act of god to. We are covered for wind, flood, snow, natural or unnatural causes.

You're covered for unnatural causes?

[Huggy85]

You're covered for unnatural causes?

Exactly. Like being taken away by aliens or swallowed by black holes. Does your policy not cover those?

[MagicFingers]

unnatural meaning burglary, vandalism. That is not a natural disaster.