- Yeah, percentage deductibles caught me off guard too—didn't even realize they existed until I started shopping around for my first policy.
- Ended up reading way more fine print than I ever planned to, but glad I did. Saved me from a similar surprise when we had heavy winds last spring.
- Ladder jokes aside, regular roof inspections really do pay off. Found a few loose shingles early and fixed them myself—way cheaper than waiting for actual damage.
- Good call on switching policies. It's amazing how much difference there is between providers when it comes to deductibles and coverage details.
- Anyway, thanks for sharing your experience...makes me feel better knowing I'm not the only one who got blindsided by insurance jargon.
I hear you on the roof inspections—caught a small leak myself after a heavy rainstorm last month. Definitely cheaper to patch it early than deal with water damage later. Curious though, anyone know if insurance typically covers DIY fixes, or do they insist on professional repairs to honor claims down the road? Still figuring out what's worth tackling myself and when it's smarter to call someone in...
"Curious though, anyone know if insurance typically covers DIY fixes, or do they insist on professional repairs to honor claims down the road?"
From what I've gathered (still figuring this out myself), insurance companies usually prefer professional repairs because they want documentation and proof that the work was done properly. DIY fixes might save money upfront, but if something goes wrong later, insurers can get picky about coverage. I patched a gutter myself last spring—worked fine—but my agent hinted strongly that bigger stuff like roofs should probably be left to pros...
