Yesterday I had 90 mph winds for most of the day. I lost 15 trees, the shingles off of my shed and chicken coop, and about 40 yards of heavy wood fence.
The insurance company said that they would cover removal of the 3 trees that fell on the driveway, upto $1000, shingles on shed and coop, and depreciated value of the fence (probably not much since it was older).
I have a $450 deductible. Will it be worth it to file a claim? Will they raise my insurance rate? I plan on living in the house for another 20 years, so I do not need to worry about getting a new policy if I sold.
What are your experiences with insurance companies?