Insurance/roofing q

[somebabiesmom]

Just your basic question about how to adult. We have to replace our roof. We were hoping to wait a couple years, but had a big windstorm that knocked off a bunch of shingles and we're noticing a pitch that we didn't notice before. So it looks like now is the time. We got an estimate about 8 mos ago that it would cost around $20k. My questions are:
1. Can we submit this to insurance? I assume most people are on the hook to replace their own for normal wear and tear, but where ours was damaged - would they replace it (or pay part of it)? (I have not yet read our policy, but will as soon as I get the courage.) 
2. Would you submit this to insurance?

[akafred]

Yes and yes. Insurance may or may not pay all of it, depending on the specific situation, but they will pay a portion of it. Contact a LEGIT roofer and they will meet your insurance adjuster to talk about what is and isn't covered. Chances are the payout will well exceed the deductible.

[akafred]

P.S. We had this happen and the adjuster was willing to front about half. But we also did the newer 3D shingles where the old roof was the flat kind, so that was a lot of the price difference.

[2chatter]

Totally use your insurance - it's why you have it. We replaced our metal roof last year - insurance covered all of the 50K cost.