Repair or replace roof?

ktmrfs wrote:

westend wrote:
Since your insurance rates will most likely increase so that the insurer can recoup the payout, I'd recommend to patch the roof yourselves. If the rest of the membrane is old and starting to fail, I would suggest to call a roofer in your area that does single ply flat roofs. Do not tell him what an RV repair shop will charge. The cost will be a fraction from a roofer compared to RV shops.

Hum..... I've NEVER had my insurance rates increase on my cars, house, rv etc. because of a claim. Now if you have many many claims, I imagine they would increase the rates. My trailer roof was replace last year under warranty. New insurance actually is a few dollars less than the year before. So much for an increase. They've already factored in claims in the insurance rates.

This hasn't been my experience, especially as of late, and especially with vehicle insurance. I have confirmed with my auto carrier that there exists correlation between claims and rates. An insured is allowed claim forgiveness based on policy length and claims history from some insurers. This is probably the reason that some of the companies advertise their "forgiveness" policy. It isn't always that way.