Back in July or so, there was hail storm that dropped ice cube size hail on our property. I could hear the banging all the way in the basement. There were trees branches all over my yard, but the house seemed OK. This was followed up by a bunch of people knocking on our door telling us that we had hail damage (I ignored them, they show up every year). I took a look around and notice there were several a few visible dent, but a lot of the other ones were not visible until you look closely, some holes in the window screen, some odd marks in the rain gutter. There were no visible damaged to the roof.
I had the roofer who was doing my neighbor's roof take a look and he indicated that we should file a claim and have the roof and siding replaced. His reasoning was that there was impact on the shingle which would eventually collect water and eventually result in leaks and the dents in the siding can't be fixed because they can't get the same colors. I did call my insurance agent, who indicated that if I have damage, we should file unless the damage is below the deductible. I asked if there was some consequences, he indicated that if you file more than 1 claim within a time period of a 5 years or so, we could get dropped. I guess my worry is that we could fix the house only to get hit by a tornado next year. Keep in mind that I have never file a claim with home owners, so I am not even sure what to expect.
On one hand, I don't want to file a claim, on the other hand, I don't want to devalue my house. What can I do to determine if I should file or not. I am not sure if the roofer is objective enough. Should I hire some sort of independent adjuster or inspector to take a look? According to my agent, having the insurance adjuster look at it would require me to file a claim.
Thanks.
Paul