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Can you answer this question about insurance and getting a new roof?

Hi, my question is a bit complicated. My city had hail damage in massive amounts. Everyone is getting new roofs. My roof is not leaking or anything but I'm sure it's got damage just like the others. I had just changed my insurance coverage to $3,000 deductible from $1,000 two months previous to save money. The roofing companies are all eating the typical $1,000 deductible, saying they'll take care of it, so it costs most people nothing to get a new roof. I haven't done it yet, but f a company says they'll try and see if they can eat the $3,000 deductible so it won't come out of my pocket, and the insurance company checks and agrees my roof needs to be replaced (This hasn't happened yet) -- BUT it turns out that the roofing company can't cover the $3,000 -- and I have to pay for some of it and I can't afford it, so I decide not to get the roof. What happens LATER if my roof needs to be replaced, say if I'm selling my house in a year, and I've changed my insurance back to $1,000 deductible -- Will the insurance company say no, this was from damage from the hair storm previously and you didn't get it fixed? How does that work? I hope I explained it well enough. Thanks in advance!

   








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Hi, my question is a bit complicated. My city had hail damage in massive amounts. Everyone is getting new roofs. My roof is not leaking or anything but I'm sure it's got damage just like the others. I had just changed my insurance coverage to $3,000 deductible from $1,000 two months previous to save money. The roofing companies are all eating the typical $1,000 deductible, saying they'll take care of it, so it costs most people nothing to get a new roof. I haven't done it yet, but f a company says they'll try and see if they can eat the $3,000 deductible so it won't come out of my pocket, and the insurance company checks and agrees my roof needs to be replaced (This hasn't happened yet) -- BUT it turns out that the roofing company can't cover the $3,000 -- and I have to pay for some of it and I can't afford it, so I decide not to get the roof. What happens LATER if my roof needs to be replaced, say if I'm selling my house in a year, and I've changed my insurance back to $1,000 deductible -- Will the insurance company say no, this was from damage from the hair storm previously and you didn't get it fixed? How does that work? I hope I explained it well enough. Thanks in advance!


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Can you answer this question about insurance and getting a new roof?
Hi, my question is a bit complicated. My city had hail damage in massive amounts. Everyone is getting new roofs. My roof is not leaking or anything but I'm sure it's got damage just like the others. I had just changed my insurance coverage to $3,000 deductible from $1,000 two months previous to save money. The roofing companies are all eating the typical $1,000 deductible, saying they'll take care of it, so it costs most people nothing to get a new roof. I haven't done it yet, but f a company says they'll try and see if they can eat the $3,000 deductible so it won't come out of my pocket, and the insurance company checks and agrees my roof needs to be replaced (This hasn't happened yet) -- BUT it turns out that the roofing company can't cover the $3,000 -- and I have to pay for some of it and I can't afford it, so I decide not to get the roof. What happens LATER if my roof needs to be replaced, say if I'm selling my house in a year, and I've changed my insurance back to $1,000 deductible -- Will the insurance company say no, this was from damage from the hair storm previously and you didn't get it fixed? How does that work? I hope I explained it well enough. Thanks in advance!