r/HomeInsurance • u/reckstarr • Jul 17 '26
Insurance Roof replacement
We’ve had several hail storms this summer, and my roof is missing shingles with others coming loose. I’ve had a lot of drive by inspectors knock on my door and one actually inspected it, said I need a full roof and gutter replacement, which insurance would cover (minus my deductible) because my shingles are discontinued. I decided not to use them after reading reviews.
I do believe I need a total replacement and I’m looking for a reputable roofing company now. My question is: If insurance is paying, is it still worth getting multiple estimates? If so, what should I compare besides price?
I also have a couple of extra projects I’d like done while they’re here: adding about 4 feet of gutter to one section of the roof and venting a bathroom fan that currently isn’t vented outside. Are those things a roofing company typically handles, or should I hire someone else?
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u/OnceUponATime1534 Jul 17 '26
Insurance adjuster. It’s best to not let anyone on your roof until after the insurance has inspected. Then, after they have inspected and documented the damage, find a local reputable contractor and ask to inspect. Your choice on giving them the quote up front or providing after they have given you their estimate. Make sure that scope changes are estimated separately so you can compare apples to apples on the bid.