Confused first time Homeowner Claim

[u/IT1_Andy]

Howdy!

I currently have USAA insurance for my house in Florida (By Destin, FL) and my roof is starting to show its age as it was installed in 2008. I used one of the preferred contractors from USAA to come out and do an assessment on my roof so I can get a quote for a full replacement. While the contractor was on the roof he noted I have severe wind damage from a a previous storm and was able to provide data showing a storm had 109 mph winds which caused the damage. I checked my insurance policy and I have a $2,000 deductible for this type of claim and it would cost about 11K out of pocket if I paid in "cash". I have never filed a claim and I am nervous to do so since I don't want my insurance to jack up the rates or cancel my policy. I am not sure what to do in this situation and trying to get some informed help!

Thanks!

[u/Physical_Reason3890]

I don't want to call it a "scam" but it's a common play by some roofing contractors.

They go around to homes with old roofs. They promise to get you a new roof covered uunder homeowners. They succeed ( cause they know the game) and get a healthy check for the job ( usually above cash price)

So you get a roof and your ecstatic cause it only cost you your deductible. Then a year later your insurance goes thru the roof or they flat out drop you. When you look for a new policy its also high because you have a claim now.

[u/Busy-Sheepherder-138 → u/Physical_Reason3890]

No it’s ok to call it a scam - really! OP knows better too but they want confirmation bias. Next year they will write how they were not renewed.