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Financial Planning / Insurance - Life, Car, Home,etc.

URL:  https://boards.fool.com/in-my-part-of-the-world-hail-storms-are-common-1-34570680.aspx

Subject:  Re: Insurance and Roofing scams? Date:  7/26/2020  10:01 AM
Author:  danbobtx Number:  18208 of 18209

In my part of the world, hail storms are common (1 to 2 per year). When anyone with a construction background comes to look at something at the house, its common for them to take a look at the roof and opine if the insurance company would cover it. This includes folks not actually in the roofing trade.

My 2 rules of thumb:

1) If I can clearly identify it, from ground level (house is single story) I will consider making a claim
2) If I get hail damage to vehicles parked outside, I'll make a claim on the roof.

Its not a scam in that it is so common, its priced into your policy. That said, I don't want to make an excessive number of claims and drive the cost of insurance up, so refer back to my rules of thumb.
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