#2 well, you yourself said there's no discernible damage. A metal roof would also NOT be the correct answer in hail country.
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What's the point of insurance if you fear making a claim?
I highly doubt you have to prove that much damage when a very large hail storm has been documented in the area. It's seems unlikely that every single house around me got insurance to pay and they wouldn't on my house. I think these companies have getting insurance to get a new roof after a hail storm down to a science.
But you bring up a good point about hail and a metal roof, although I would say we only get hail once or twice a season.
I don't fear a claim, but it is indeed true that insurance companies look at your past history when determining your rates and it also might influence how they would treat you during a major claim. The friend who said she has made several claims over the last few years said she was dropped from her insurance. I don't doubt those two things are unrelated. Unfair or not, it would be a stressful situation and one I don't want to undergo that scenario needlessly.
Also, we have knob and tube wiring and are somewhat limited in who will cover us in the first place.
I don't know, in my mind home insurance is for major events like a fire, major flooding like maco and ShoulderThingThatGoesUp had, etc. Apparently others view it differently, though. I was just curious what Mustachians have or have not claimed in the past.