[ebrowne826]

Tore my roof with a tree limb. It was about a 6 inch tear and
it bent the metal flang under the rubber. The ins. paid to
replace the entire roof. It cost around $7000 to replace it.
My GMAC insurance then raised my rate $200 every 6 months.
It showed up as a moving accident when I went to another ins.
company for an extimate. I was told it would stay on my record
for 3 years in Texas. Some states have a longer time period.
Looking back, it would have been cheeper to just patch the tear
and not report it.