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<blockquote data-quote="Browneye" data-source="post: 304295" data-attributes="member: 1051"><p>Insurance companies are a bitch no doubt. A few years back had a bad hail storm come through the yard. Hail was 3&quot; plus. One half of the house roof that was west facing was trashed, the east facing was not as bad but still damaged. Our company at that time would only pay for half a roof. Even though our camper that was parked 20' away and was insured by a different company than the house was completely totaled out. So we payed the difference on the roof out of ourselves and left that company. Found some different house coverage and had trouble getting contractors getting the roof done so had the new company about 18 months before the new roof was completed. So when I pay for the roof I take my proof of completion to my agent so I am able to prove I had new shingles if I get hammered again. After I let them know I had new shingles they raised my premiums by $200 WTF. I don't see how they can raise your premium when u put new shingles on like that when they don't pro rate your premium down as your shingles depreciate out and they wont pay out 100% but are still willing to take 100% of your premium.</p></blockquote><p></p>

[QUOTE="Browneye, post: 304295, member: 1051"] Insurance companies are a bitch no doubt. A few years back had a bad hail storm come through the yard. Hail was 3" plus. One half of the house roof that was west facing was trashed, the east facing was not as bad but still damaged. Our company at that time would only pay for half a roof. Even though our camper that was parked 20' away and was insured by a different company than the house was completely totaled out. So we payed the difference on the roof out of ourselves and left that company. Found some different house coverage and had trouble getting contractors getting the roof done so had the new company about 18 months before the new roof was completed. So when I pay for the roof I take my proof of completion to my agent so I am able to prove I had new shingles if I get hammered again. After I let them know I had new shingles they raised my premiums by $200 WTF. I don't see how they can raise your premium when u put new shingles on like that when they don't pro rate your premium down as your shingles depreciate out and they wont pay out 100% but are still willing to take 100% of your premium. [/QUOTE]

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