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[firstsoprano]

We recently returned to Erie (paid sewer damage claim years ago). We then went with State Farm for less expensive rates until they raised our homeowners premium significantly after we had two storm related claims (both times siding and shutters were replaced). I am hoping Erie will give us the superb service we had years ago.

When we switched back to Erie we saved approximately $800 (HO and auto policies)

[RainyDayGal]

You have to replace your entire roof? The whole thing is bad? What kind of material are they using that you have to replace the entire thing after 9 years?

[Shelbelle]

Our agent recently transferred us from Travelers to Cincinnatti Ins. for both car and home.

[geraldine]

On 4/21/2014 RedConvertibleGirl said:

You have to replace your entire roof? The whole thing is bad? What kind of material are they using that you have to replace the entire thing after 9 years?

A golf ball size hail storm will take out a roof less than 9 years old. A frequent occurrence in North Texas.

[TeezNu]

My brother and I both use State Farm for our houses & cars, and have been extremely pleased. I had a cast iron sewer with many leaks - affecting my foundation - that they replaced with PVC pipe, and rerouted from underneath the house. My brother just had a roof replaced and leak damage repaired. However, their rates have increased dramatically over the last few years - maybe that is typical among most insurance companies.

[stilltamn8r]

California Casualty for about 30 years-

[RainyDayGal]

On 4/21/2014 geraldine said:

On 4/21/2014 RedConvertibleGirl said:

You have to replace your entire roof? The whole thing is bad? What kind of material are they using that you have to replace the entire thing after 9 years?

A golf ball size hail storm will take out a roof less than 9 years old. A frequent occurrence in North Texas.

I guess I'm just picturing the entire roof with holes everywhere and practically gone. So you can't replace just a section of the roof? Do they have special roof insurance for people that live in areas prone to this, like they do for people that live in flood areas?

[Shana1201]

Similar to what geraldine said, we had golf ball size hail and have deep indentations in many of the shingles all over the roof. We have had a roofer out to inspect the roof and he feels that a 9 year old roof should not be covered with patches.

[RainyDayGal]

On 4/21/2014 Shana1201 said: Similar to what geraldine said, we had golf ball size hail and have deep indentations in many of the shingles all over the roof. We have had a roofer out to inspect the roof and he feels that a 9 year old roof should not be covered with patches.

That's what I'm thinking. Maybe the materials they used were inferior? Is there any kind of warranty on the shingles? I just can't imagine everyone that lives in areas where hail is a problem having to constantly replace their roofs, and insurance paying for them. It just seems odd to me.

[Sooner]

On 4/21/2014 Nightowlz said:

We have full replacement cost homeowners & our auto with State Farm. They have replaced our roof from hail twice.

Us too. Cedar Shake roofs. I think an awful lot depends on the agent you have. Ours has really smoothed out some problems for us. And we have a LOT of bad weather where I live.