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!