Make sure there is damage on your roof before you call your insurance company to file a claim.
How much is your deductible? Do you have a deductible that is a % of the claim amount or a flat amount? This can make a big difference in out of pocket expenses.
Do you have a ACV/RCV policy? Depreciation is the reduction of the value of a product based on factors including use, age, and type of product. Replacement cost value (RCV) is a product at 100 percent, with no use or diminished life span. Actual cash value (ACV) is the use (or life left) of a product after reduction for depreciation. If you are on an ACV policy with a 10 yr old roof, you will be paying a substantial amount out of pocket.
Do you get a discount for replacement with a class 4 shingle? Some insurance carriers can be as high as 28% off your premium depending on the area in which you live.
Make sure that the damaged sustained on your roof is more than your deductible. Sometimes a $1200 repair should be paid out of pocket if you have a $1000 deductible, it is worth the extra $200 to NOT have a claim on your record