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> “If your roof is 20 years old and one hailstorm is going to take it off, you should pay more than somebody with a brand new roof,” If you've been paying for
by lamontcg 3y ago
> “If your roof is 20 years old and one hailstorm is going to take it off, you should pay more than somebody with a brand new roof,”
If you've been paying for insurance for 20 years with one company, then I'd say that is certainly a dick move to drop you right before it might pay out. What even is the point then?
- Netcob 3y agoThe (lesser) dick move is also pitting customers against each other.
- rrr_oh_man 3y agoDivide et impera. Works with insurance, social security, and third world countries.
- almostnormal 3y agoDo car insurances pay the full price for crashed old cars? If roofs are designed with a similarly limited expected useful life lower payout would make sense like for cars?
- Crunchified 3y agoIt is NOT the insurance company's job to replace a worn-out roof. That is YOUR responsibility! If a roof on your home is not up to the proven (albeit occasional) stresses of your local environment (including snowfall, winds, volcanic ash, etc.), whether due to quality, design, or wear, I see no reason why the insurer should not modify its indemnity. I will grant you that a decent insurer would allow you to petition for a review based on any verifiable additional information that you, as owner and insured, might be able to present.