re: Isnurance company denied my roof hail damage claim. Options?

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So older roofs should be changed out by insurance carriers? That isn't sustainable. What happened to home maintenance?

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It might not be sustainable, but the damage is more likely to happen after 12 years of age because the shingles have lost granular and the asphalt is baking out causing the shingle to deterorate more rapidly.

One option is to turn the roof into an ACV policy past a certain number of years but talk about some hell-raising when a policyholder is paid for a new roof but it is deprecated at 20 years due to age, and they get $1k to replace their 35k roof. Then they don't have the money to replace but the insurance has paid to replace, then another storm comes through and damages more shingles and now there is interior damage. Insurance is going to look at prior claims, see the roof wasn't replaced and deny any interior damages due to lack of prior repairs and not mitigating damages.

There are no easy answers, you are going to pay higher premiums, get less coverage, or find a way to make repairs a lot cheaper.