Roof Replacement Strategy: Timing, Materials, and Insurance Games

Description

One homeowner got a “free roof” from insurance. The neighbor paid $28,000 out of pocket for identical damage. Same policy. Same storm. The difference was how they filed. Half of roofs are replaced too early (thanks, storm chasers). Half too late (thanks, procrastination). Independent inspection first. Insurance call second. Contractor third. Never the other way around.