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Old 09-27-2018, 12:07 AM  
Rain Man Rain Man is offline
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Public Service Announcement: If you've replaced your roof...
...update your homeowner's insurance policy.

I replaced my roof in 2016 due to a hail claim. I got my annual insurance policy update (20+ legalese pages), and I happened to notice that it said to check my reported roof age because that affects my cost.

It turns out that the claims department doesn't talk to the billing department, so they didn't update my roof age when it was replaced. They were assuming that I had a 20+ year old roof, and the difference in policy cost is notable - over $400 per year for my house. I updated the records and my premium went down notably.

Now I'm going through the hassle of trying to get credit back for the last two years where I've overpaid. It seems like a straightforward argument, but we'll see how much fighting it takes.

I just thought I'd share this, because it's a big price difference. I didn't know that it was that important, and I assumed that the insurance company had the right date given that it was replaced via a claim.
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Old 12-11-2018, 12:06 AM   #16
T-post Tom T-post Tom is offline
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Originally Posted by Hog's Gone Fishin View Post
I need to renew my rentals next month, I will give them a call.It should be fun because I had like $178,000 in claims in 2017.
You should be getting volume discounts from your roofer.
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Old 12-11-2018, 12:10 AM   #17
Hog's Gone Fishin Hog's Gone Fishin is offline
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Originally Posted by T-post Tom View Post
You should be getting volume discounts from your roofer.
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Old 12-11-2018, 12:42 AM   #18
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Quote:
Originally Posted by Hog's Gone Fishin View Post
I need to renew my rentals next month, I will give them a call.It should be fun because I had like $178,000 in claims in 2017.
Oh, good. I mean, not good about $178,000, but make sure to give them a lot of different scenarios to price. Ask them about each property separately, and then in every possible combination. I'll rep you if you make them waste more than 50 hours on your quote.

And dang, that's a lot of hail. Hopefully it was just the normal proactive hail replacement stuff and nothing that caused leaks.
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Old 12-11-2018, 07:29 AM   #19
tmax63 tmax63 is offline
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My insurance decided to jack up the rates 30% after last summer's hail storm and as a bonus kicker they changed their deductible for wind/hail to $2500. Thank goodness I've got a good independent insurance guy who ran the numbers through several different companies and I'm switching to a new company with better coverage for about 30% less than last year.
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Old 12-11-2018, 07:50 AM   #20
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Interesting thread, may save me some money.

The "Duck Boat storm" got our roof and it was at least two months of drama and hassle before it was all over. We have $1500 deductible and when we received our renewal it went up $600 for the annual premium. I just figured it was because they were trying to recover the $7500 that they spent on the roof.

I am going to verify that they updated the age of our roof now due to this thread, thanks.
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Old 12-11-2018, 07:59 AM   #21
mdchiefsfan mdchiefsfan is offline
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Quote:
Originally Posted by Rain Man View Post
As an update on this, I've been fighting with USAA Insurance about this. Here's what they said:

1. They admitted that they've overcharged me $400 or so a year for the past two years, but they're not going to refund the overcharge, with the implied conclusion here that they're crooks.

2. They admitted that their systems don't talk to each other, so even though their claims department covered the new roof, the information was never passed to their policy department to update the policy. So it's their fault that I was being overcharged because they're incompetent.

3. They admitted that they're still overcharging me, but their system does not allow them to update the home's features and update the rate once it's been established for the year. They recommended that I continue to be overcharged this year, and next year they'll set it to the proper level. I am not making this up.

What's just as bad is that they were incredibly snarky about it. I got treated so badly that my wife took over to try to salvage it, and she contacted them separately and was treated just as rudely. I then gave them one last chance because they were being morons and I thought surely one person there had the ability to problem solve, but no - strike three. Just incredibly rude and uncaring people these days. We've noticed that they've been cutting their customer service for several years, and apparently their customer service center is now being run using labor from the Starkville Institute for the Socially Inept.

If you ever consider buying some insurance, do me a favor. Contact USAA and get a quote that takes a long time and a lot of work to prepare, and then tell them that you're not buying it because of this thread.

I hope they all get trapped in a fire that's not covered by insurance.
Damn. I have USAA for my HO’s insurance and just got my roof replaced earlier this year....
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Old 12-11-2018, 08:46 AM   #22
ptlyon ptlyon is offline
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So, no USAA for life?
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Old 12-11-2018, 08:52 AM   #23
dlphg9 dlphg9 is offline
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Originally Posted by HemiEd View Post
Interesting thread, may save me some money.

The "Duck Boat storm" got our roof and it was at least two months of drama and hassle before it was all over. We have $1500 deductible and when we received our renewal it went up $600 for the annual premium. I just figured it was because they were trying to recover the $7500 that they spent on the roof.

I am going to verify that they updated the age of our roof now due to this thread, thanks.
I'd definitely get a new insurance company. Go with State Farm, USAA (if applicable), or Farmers. Since you got the roof fixed you're going to get a discount on your premium for having a new roof. Isn't an open market great!
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Old 12-11-2018, 08:58 AM   #24
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Old 12-11-2018, 09:04 AM   #25
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Thanks, Rainman.

I’ll put this on my list of things to save $$ I’ll probably forget to do.
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Old 12-11-2018, 10:20 AM   #26
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We recently switched to USAA and they inquired on the impact-resistance of our newer roof shingles. If we had Class 4, it would take our annual insurance from, $1200/yr to $115/yr. We don't. Ouch.
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Old 12-11-2018, 10:21 AM   #27
MahiMike MahiMike is offline
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Yep. My roof was over 20 yrs old and I had trouble finding an insurance company. Once I replaced it, plenty of options.
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Old 12-11-2018, 11:12 AM   #28
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Quote:
Originally Posted by Hog's Gone Fishin View Post
Hail storm. Lost a bunch of roofs.
Yikes man. I didn’t realize it got that bad down there. I was envisioning a bunch of your trailer houses swirling around a tornado. LOL
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Old 12-11-2018, 10:07 PM   #29
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The reason why insurace has a bunch of assholes is because you will blow your brains out in the first year unless you follow a script and just be cold or you are a dick. The people with actual love and empathy will go on to a more rewarding job. The ones that get shit done and keep insurance company's are the ones that care the least. Sorry your shit is messed up rainman. They should be able to give you your money back. The people on the other end just don't give a **** and don't know what they are doing. I would think filing a complaint would be pretty easy because insurance has tough as **** regulations. What rainman says goes for cars as well though. It's not so much an auto accident raises your rates or a claim raises your rates it puts in motion an examination of the risk and other crap on your policy.
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Old 12-12-2018, 09:04 AM   #30
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The Claims department is probably staffed by assholes from Maine.
Why do they all sound Middle Eastern?
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