Roofing door to door guys

Honestly if your roof is 12 years old or older, you should get yours done as well. Everyone else in your neighborhood is getting a new roof so your rates will go up if you do it or not.

As for the deductible, everyones insurance is different. Don't assume everyone has a 1% deductible like you.

Same thing happened in my neighborhood, and I felt the same as you. I ending up caving and had it done. Cost me 6k in deductibles, but no regrets as my roof was almost 20 yrs old

Whether you decide to do it or not, I'd wait until later when the roofers don't have as much business already.

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I'd wait until later when the roofers don't have as much business already.

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what's that got to do with anything?

Find a reputable local roofer, not one of those door to door storm chasers. Ask them to take a look at your roof for possible hail damage and its not easily noticeable if you don't know what to look for. Your roof isn't going to suddenly start leaking due to hail damage, but it'll lead to problems down the road.

Best to get it checked out now to find out if you have damage or not and claim on insurance to get a new roof if you really have damage. If you wait too long, then find out later that you had hail damage it may be too late to file a claim. Not sure about TX, but in LA you have a year from the date of loss to file a property damage claim.

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Because after storms insurance companies pay $300+ a square sometimes, when it can be had for half, with cost to roofer half of that.

In other words the roofers overbill and give you kick backs like deductibles and upgrades

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In other words, felony insurance fraud.

You don't understand how insurance and deductibles work, do you?

A deductible is never collected, it is deducted from the reimbursement payment from the adjuster to the homeowner/contractor.

Also, if a homeowner cannot handle a 1% deductible, they're pretty terrible at managing their finances. Deductibles should be as high as you can afford to minimize the total cost of risk. For most, I would start at ~$5,000 all perils, because you only file a claim once in 10+ years. Total cost of risk will be much lower as a homeowner.

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You don't understand how insurance and deductibles work, do you?

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Also, in most states, it's illegal to not pay your deductible

Yes it is. But it’s no different than you paying out of pocket for a Dr and after a few visits decide to allow them to file it towards your deductible. Next thing you know you ll receive statements from the insurance company showing ( you know what the first two visits cost actually because you paid out of pocket and settled with the Dr ) it costs 450.00 but being you have is representing you ,,,, your part to pay in $150.00. Which of course you already paid and account was settled. Insurance as a whole is fraud. They are the best at it.