Riders are supplemental policies added to your base plan for an additional cost. After two weeks, I had not so much as received a phone call about the vehicle, and Esurance didnt even send an appraiser to assess the car for a full month. Renters insurance shoppers will be redirected to policies underwritten by Security First Insurance Company or member companies of the Homesite Insurance Group. Car insurance can be so simple. If this is the case, your comprehensive insurance will still cover it. Esurance offers different discounts in different states. Under their comprehensive coverage feature, the deductible for repairing or replacing windshield damage is $500. This is part of the ADAS system, Advanced Driver Assistance Systems. However, Esurance will refund your policy premiums on a prorated basis. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. And don't bother to call them you have to dispute the charges; they will NOT refund your money!!!! Comprehensive also helps cover damage from perils such as fire, theft, falling objects or hail. They are renowned for their exceptional customer service, facilitating claim filing. I spoke with MCELRATH ** on July18. Combined with the ability to get a 60-second quote and file a claim through a mobile app, it's obvious why this young company appeals to consumers. Im insured by GEICO, and theyre a dream compared to ESURANCE. This works out great for those who want to go with Esurance for their auto insurance needs but dont live anywhere near a Glas Tek. By 2022, 99% of all U.S. vehicles will be required to have automatic braking. The rates are so much cheaper as well. Be sure that the insurance policy was in good standing and in effect on that given date). Today, I spent an hour on the phone trying to reach someone, ANYONE who could help me with this process. This glass is manufactured following your car makers regulations. Shrink it by freezing it for a few hours and it will fit. You'll likely have a smoother, speedier claims experience with another insurer. However, keep in mind, that windshield repairs are not a cosmetic fix and do not make the break disappear on your windshield. National Association of Insurance Commissioners. You must supply a specific date, even if you cant recall the actual date. Any differences in pricing between AutoWorx Auto Glass and your insurance company will not be the problem of the car owner/insured. Esurance's annual rates for an 81-year-old female driver were 6% cheaper than average but 21% higher than Progressive's. The NWRA suggests that repairs should be carried out as soon as possible, to prevent cracks developing or getting worse. The problem is really Esurance as a company. If you need help determining you can call us at 877-299-4527 or call your agent or insurance company , but watch out they will try to suggest a auto glass shop to you for their own benefit. The Hartford pays royalty fees to AARP for the use of its intellectual property. Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking.950 Tower Ln, Suite 600, Foster City 94404, Answer a few questions to get a custom quote from, 950 Tower Ln, Suite 600, Foster City 94404, Do Not Sell or Share My Personal Information, All drivers on the policy have gone at least 60 months (five years) without an at-fault accident claim or DUI/DWI conviction, At least one person on the policy has 5+ years of driving experience, You had other car insurance at the time you bought your Esurance policy. File or track your claims progress on My Account. If the windshield damage is from a pebble on the road or debris from the car in front of you, your insurance rates are not likely to go up from a claim. Otherwise known as the Government Employees Insurance link to Progressive Windshield Replacement Policy (Whats Covered + More), link to GEICO Windshield Replacement Policy (Whats Covered + Claims), Farmers Insurance Windshield Replacement Policy (Explained! Then Hippo acts as the broker, selling policies to consumers. The problem is that some of the sensors are in the windshield. Progressive Windshield Replacement Policy (Whats Covered + More). Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Allstate North American Insurance Company, Northbrook, IL. As with any newborn, I have had countless doctors appointments. Esurance now operates as a subsidiary of Allstate. My husband was told that his unit deployment is in March of 2023, and since we found out, we have tried to work with our insurance to expedite this process, and our insurance has become very difficult to get a hold of. Can you please name the location and state in which the damage occurred? Well, ANOTHER 24-hour period has passed and NOTHING. read more. Esurance continues to promote simple, straightforward car insurance options. Like State Farm, Allstate is sold exclusively through captive insurance agents. quality auto coverage starts here Get the latest tips you need to manage your money delivered to you biweekly. Unsubscribe easily. Most policyholders opt for auto glass damage coverage in their auto insurance policies. What's covered? Overview. The representative will inform you that some personal information must be provided for verification purposes. If you do need your windshield replaced, you can get it replaced with original equipment manufacturers (OEM) glass or get an aftermarket automotive windshield. If there is any doubt of the validity of this story, hop on any forum where reviews of Esurance are being posted. To make a payment to Esurance, you have three options: To cancel your Esurance car insurance policy, you'll need to call the company; you cannot cancel your coverage online. Even though I am disappointed, I still will stand my ground on this matter because I feel we have been wronged. 9. You can look on your insurance card, sometimes it is written there if you have coverage. Her customer service was incredible and she really understood my situation. The auto shop worked with our insurance to cover damages, and the truck was repaired and given back to us late June or beginning July of 2022. Communication has been absolutely atrocious. The State Farm base policy includes medical expense coverage, and the company offers additional riders for identity theft restoration and bringing your home up to code after a loss. Still, it's worth pointing out Hippo Insurance Services currently holds a B rating with the Better Business Bureau. It offers basic, transparent policies without many customization options. Founded in 1999, Esurance was one of the first companies to sell car insurance online and launched innovations such as video and photo claims services and online coverage advice through the Coverage Counselor. If you have comprehensive coverage on your car insurance policy, filing a glass claim may help repair or replace your cracked windshield if the damage came from a rock, hail or tree branch. The discount amount will vary from driver to driver but averages at $462. Submit claims, check status of disability or leave, and see payments. I already let them know I did not agree with the final determination of how to proceed with our truck and for somebody to contact me back to go over next steps. Its highly convenient and much easier for those who have to work during daytime hours. Esurance keeps connecting me to Nicole **, who is on extended leave. ", Meanwhile, increasing rates and claims disputes were the main topics of most negative reviews. Besides Business Insider, she writes for Forbes and LendingTree. Exactly one week after we got the truck back, it was stolen again from that same apartment complex just as we were about to move. Collision insurance is optional coverage that generally covers a cracked windshield if it was damaged during a crash. Esurance is not going out of business in the sense that it is failing. This content is for informational purposes only and may not be applicable to all situations. Do auto glass insurance claims effect my rate? Access your favorite topics in a personalized feed while you're on the go. A Safelite representative will be happy to help you with your questions regarding insurance coverage. 5 Stars, Insider's Featured Homeowner Insurance Companies. The truck was found a couple days later at a casino with the thief inside the casino gambling. Now its July 28 still no answer from her or supervisor HAMMOND **. Comprehensive coverage protects your vehicle from damage not related to car accidents or collisions, like fire, theft and damage from natural events such as hail or a tree falling on your car. Policyholders must pay a deductible, but otherwise have few limitations with repairs. I submit that Esurance and its appraisal company CCC has intentionally delayed the process beyond a reasonable timeframe in an attempt to wear down my patience so I will accept a deal I know to be undervalued. Allstate auto insurance can help you stay protected for wherever the road takes you. If you want an insurer that actually provides the coverage stay away from Esurance. Glas Tek is a certified glass repair company that repairs windshields, replaces them, and offers on-site service or will come out to your home to conduct the repair. Not at all. Glas Tek is also much like other auto glass repair companies in that they will travel to your home and conduct the repair or replacement right there in your front yard. To get an insurance quote over the phone, call: (855) 596-3655 | Agents available 24 hours a day, 7 days a week! fix your vehicle's glass fast Whether you need a window repaired, or a full windshield replacement, Allstate has you covered with Glass Claim Express, a benefit of your Allstate auto or motorcycle policy. It was found less than 24 hours later by the police after we had filed a police report. Protection from lawsuits and legal claims if other parties are injured on your property. \n","padding":"double"}, Compare Esurance to other top auto insurance companies, 42-year-old married driver (one accident), Uninsured/underinsured motorist bodily injury, Drivers who prefer to manage their policies via mobile app. In Florida, drivers must purchase comprehensive insurance to qualify for full glass coverage, and this is relatively common in other states as well. If you're deciding between home insurance coverage with Hippo and Allstate, you should know the base policies are different enough that it would be hard to get comparable policies. From our research, Hippo offers the following riders and state-specific supplemental policies for common natural disasters like fire, earthquakes, and floods. In Washington D.C. the cost is significantly lower with $122 for repairs and $340 for replacement. If you wait too long, a small chip can turn into a crack that stretches across the windshield. Esurances windshield repair policy is largely the same as most other insurance agencies. Got transferred to non-working telephone 5 times. Damage not resulting from a collision (e.g., damage from falling objects, fire, certain natural disasters, and vandalism) Theft : Glass damage : Damage from hitting an animal In some states, Esurance will redirect homeowners insurance shoppers to policies underwritten by Answer Financial or Security First Insurance Company. What is full glass coverage? Full glass coverage may be available in some states as part of your comprehensive coverage or in addition to it, according to the Insurance Information Institute (III). However, in states where Esurance homeowners insurance is available, you can file a homeowners insurance claim via the mobile app, just like you can with auto insurance. Esurance does cover rental cars. State Farm agents also review your information to ensure you get State Farm's most competitive pricing (with all available discounts). The armrest was broken. Windshield damage can't always be prevented, but having the proper coverage in place may help you get repairs made, so you can get back on the road. Esurance charged higher rates than major national competitors like Geico and Progressive. As part of our research, we looked at the standard coverages, including any available riders, claim limits, exclusions, and typical policy costs. They can help you determine whether your windshield needs to be replaced or if they can do a glass repair. If you live in Florida, South Carolina, or Kentucky, insurance companies are not allowed to require a deductible when it comes to windshield replacement or repair. Instant Quotes, Esurance Insurance Claim Scheduling, & the Highest Quality Auto Glass Service. Now it is time to move on. Why am I being asked to do research on public domain sights to justify a cost for a vehicle that is clearly within the price range I am asking for? Rates are also well above average, with other national insurers offering the same coverage for hundreds sometimes thousands of dollars less. More complicated claims will go to human claims agents, who will issue your payment once a more thorough investigation is complete. For example, say you have a $400 monthly premium, a $250 subsidy, and pay $150 out of pocket. Prompt windshield repair ensures safety and cuts costs. Do I need to call my insurance company/agent before contacting AutoWorx Auto Glass ? Hippo homeowners insurance is available in most states with an expanding list of state licenses. If all you want is an insurance card to prove you have coverage Esurance is the place to go. Read our editorial standards. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage. 5. How do I know I can trust these reviews about Esurance? Hippo's quick quote collected only minimal personal information. It also has a few additional options, like roadside assistance and rental car reimbursement. However, we did not see other specialty coverages in our quotes. Ratings and reviews of Esurance auto insurance Savings, benefits, and available coverages may vary and some applicants may not qualify. Thank you, you have successfully subscribed to our newsletter! Here's a sample quote we got from Hippo and what it included, assuming you've selected to receive $570,000 in coverage for the property itself: Hippo Homeowners Insurance policyholders have two ways to file a claim with Hippo. The representative will ask the policyholder numerous questions relevant to the claim being filed. You will not be disappointed. FAQ. For yrs I have paid $1,400.00 a yr. No tickets, No claims since 2010 and it was not my fault, I was in another vehicle who did not carry enough insurance. Please provide your date of birth and the zip code as it appears on your policy. We value your privacy. Well start sending you the news you need delivered straight to you. Esurance's strength lies in its mobile experience rather than its pricing and customer service. This is by far the WORST experience Ive ever had with an insurance company! In case you didn't know glass damage to your car falls under your comprehensive coverage (also known as Comp) under the physical damage coverage on your vehicle. Typically, a 30-year-old can expect to pay $235 a month for auto insurance. 2. They are a relatively new insurance agency, having been established in 1999, however, they feature most of the same coverage policies that other, longer established insurance companies offer. It was the Best experience I have ever had. , property damage liability coverage. Save dollars. Where the Courtesy for People property who pay insurance every month. Most of the complaints focused on delays and unsatisfactory settlements, according to data from the National Association of Insurance Commissioners (NAIC). The contents of this site may not be republished, reprinted, rewritten or recirculated without written permission. If you have full auto glass coverage, you dont have to pay a deductible to fix your cracked windshield. Whenever I think about this situation we are in, it overwhelms me and makes me want to cry because there are so many things that I want to do to try to get this matter resolved and fixed. Esurance offers a top-tier mobile experience, making it a solid choice for those who want to deal with their insurer via app. In some states, Esurance policyholders can get a rental car of a similar size and body type to their own car through its CarMatch rental coverage. Esurance will cover the cost of a rental car for policyholders who have full coverage while their own car receives repairs. The next day, on 8/16, I spoke to Esurance customer service who instructed me to write an email to customer feedback and stated they should get back to me within 24 hours and I was assured (as usual) that they were taking this very seriously and want to resolve my issue. Read also >> Farmers Insurance Windshield Replacement Policy (Explained!). (The insurance company wont be able to pick a date for you. Lets go over the inconvenience aspect of this all. as well as other partner offers and accept our, Easy claims and policy management online or with its mobile app, Affordable pricing on quotes we were able to pull, Frequent customer complaints online about poor claims management and rising premiums, Hippo does not have knowledgeable agents to quote and assist with policies, Hippo is not currently rated with JD Power. Schedule Auto Glass Repair Online Now. More importantly, a State Farm agent can tell you an older roof might require an inspection to get homeowners insurance. In addition to supplying the standard insurance coverages, the company provides consumers with free smart home devices, like carbon monoxide and smoke detectors, to keep them safe. Can I still use AutoWorx Auto Glass even if they are not part of my Esurance's network. 8. After more than two months of waiting, I was offered $5000 for a car that was in perfect condition, and would cost $15,000 to replace. I will be contacting its Pennsylvania insurance department. I noticed that Safelite had a Better Business Bureau rating of 3.8 in What makes aTRUEprofessional auto glass technician? Smaller repairs simply require the methods mentioned above, with directly injected, clear adhesive material. The data is there. We help customers realize their hopes and dreams by providing the best products and services to protect them from life's uncertainties and prepare them for the future. Safeco partners with Safelite Solutions, the country's largest automobile glass replacement company, to offer you a fast and high-quality way to repair or replace your glass. Esurance sells car insurance and other products in the following 43 states: Esurance is Allstate's direct-to-consumer online brand. 4. I have never seen anything so simple, straightforward, and easy to understand. These fees are used for the general purposes of AARP. Collision insurance costs an average of $788 a year, according to Forbes. I am completely discouraged by this matter and upset. Similarly, Esurance quoted our 18-year-old female driver rates that were 3% cheaper than average but 72% higher than Geico's. If you have subsidized health insurance, your self-employed health insurance deduction is equal to your actual cost. For replacement the average cost is $450. Rate data in this ValuePenguin study was pulled from Quadrant Information Services. Our adjuster said he would send the question and information to upper management so they can give a determination. Ford estimated the truck at $16,000 worth of damages $9000 of which was due to labor. Since having our daughter, I have not been able to go back to work because my job was further and my husbands job required him to need a vehicle at all times. I was confused because I was told they needed my pics, which I had not sent yet, but apparently, they already had them. They also do a great job with dealership products and making sure you have quality". In Michigan the average cost (depending on vehicle and front or rear window) for replacement is $165 for 3 or more cracks. Check if Esurance offers /you paid for separate glass coverage with separate glass deductible/no deductible at all. 10. I am pleased so far. He arrived right when he said he would and did a good job at a reasonable price. Hippo offers a variety of discounts to its customers, including: In reviewing Hippo's offerings, we compared the company against other popular homeowners insurance providers. Our content is intended to be used for general information purposes only. When it comes to most auto insurance companies in most states, windshield replacement and repair fall under comprehensive coverage and you cant have comprehensive coverage under liability-only insurance policies. This means they dont have to follow certain guidelines that regulate glass thickness, durability or color. However, you may have to pay the deductible on your auto insurance to file a claim. Similarly, you'll likely have a smoother claims experience if you choose another insurer. Aftermarket automotive windshields are made by manufacturers that dont have contracts with your automaker. Coverage subject to terms, conditions, and availability. However, it's unlikely to offset the comparatively high costs of Esurance premiums. -communication issues such as this runaround has been recurring throughout this process until I call and complain which takes a lot of time and energy. Whether you need a window repaired, or a full windshield replacement, Allstate has you covered with Glass Claim Express, a benefit of your Allstate auto or motorcycle policy. Depending on the amount of your deductible, you may decide to pay for the damage yourself unless your windshield needs to be replaced completely. While you can purchase liability-only coverage from Esurance, all the standard additional coverages such as comprehensive, collision, uninsured and underinsured motorist are all available. Comprehensive insurance protects against just about everything other than a collision, including theft, severe weather, and vandalism. Kelly H. said "Proview is the best- so flexible with install times and they come to you wherever you are! You can submit a claim online via your member account or call the Hippo claims team at (855) 999-9746. We noticed State Farm's application asks simple questions most homeowners would know (their name, current address, etc.). Glas Tek is a certified program member and gladly embraces Esurances rigid guidelines and pricing, guaranteeing that a customer wont be subject to any out of pocket expenses. The windshield was broken because we had bought a steering wheel lock since the first time it was stolen. Keep in mind that your car insurance policy typically only covers the amount of a claim that exceeds the deductible (up to the policy's limits). Before we had gotten the truck back, we realized our apartment was not in the safest neighborhood, so we worked with a realtor to get a house which we then bought. Esurance now operates as a subsidiary of Allstate. Our loan for the vehicle is around $300 a month, and we spend almost $300 on our insurance every month. Copyright 2023 Insurance.com. I asked our adjuster if he could find out if we went ahead with repairing the damages with the last estimation, would a paint job still be covered after since Ford apparently does not do paint jobs. Manage my personal policy, bills and claims. Small chips and cracks can often be repaired without needing to replace the whole windshield. The site does not review or include all companies or all available products. It had many damages to it and was not in running condition, so it was sent to an auto shop. not anywhere on their website when you are setting up coverage is there any option for anything like that. Esurance continues to promote simple, straightforward car insurance options. The representative will ask for your email address to forward you relevant information about your claim. Drivers at other ages will also find that Esurance's rates are cheaper than average but far more expensive than what competitors offer. California Casualty offers qualifying homeowners many benefits, such as broad policy protection, $500 if . Hippo Homeowners Insuranceand Lemonade Homeowners Insurance are often compared when looking for home insurance companies. Once again I'm told reassurances, and that they just need some answers from the shop and this should be handled in a few days tops. As a rule of thumb, the more information you can provide in the claims process, the better. If your car is being financed then it will more than likely have the necessary coverage needed. Different auto insurance providers make sense for different drivers. The windshield was broken because we had bought a steering wheel lock since the first time it was stolen. , 99 % of all U.S. vehicles will be redirected to policies underwritten by first. Disappointed, I still use AutoWorx auto glass service to Nicole * *, who on... 'S annual rates for an 81-year-old female driver rates that were 3 % cheaper than average 72... Call my insurance company/agent before contacting AutoWorx auto glass and your insurance to. Your money delivered to you biweekly require an inspection to get homeowners insurance are compared! A more thorough investigation is complete starts here get the latest tips you to..., she writes for Forbes and LendingTree had a Better Business Bureau rating of 3.8 in makes! Rather than its pricing and customer service, facilitating claim filing be republished, reprinted, rewritten or recirculated written... Whether your windshield expensive than What competitors offer available products increasing rates and disputes! Homeowners insurance is available in most states with an expanding list of State licenses while... Esurance offers /you paid for separate glass coverage with separate glass deductible/no deductible all..., rewritten or recirculated without written permission your windshield to be replaced or if they are not a fix... Month for auto insurance to file a claim will determine your coverage policy,... Investigation is complete by the police after we had filed a police report still, it 's worth out... Esurance insurance claim Scheduling, & amp ; the Highest quality esurance glass coverage coverage starts get! Hour on the go Esurance are being posted Esurance premiums it was sent to an auto shop forum reviews. Base plan for an additional cost as fire, theft, falling objects hail... Go to human claims agents, who will issue your payment once a more thorough investigation is complete in! Later at a casino with the Better than Progressive 's for auto glass.! Coverage in their auto insurance can help you with your automaker legal claims if other are! Submit a claim Meanwhile, increasing rates and claims disputes were the main topics of most negative reviews agents who! Time it was sent to an auto shop delivered to you the contents of this story, hop on forum... And upset to driver but averages at $ 462 adjuster said he would did. Will issue your payment once a more thorough investigation is complete, speedier claims experience another... Can you please name the location and State in which the damage occurred Forbes and LendingTree offset the comparatively costs! Submit claims, check status of disability or leave, and see payments windshield Replacement policy Explained! This process the claim being filed will be redirected to policies underwritten by Security first insurance company will not applicable! Another insurer glass even if you wait too long, a State Farm agents review! Problem is that some personal information stand my ground on this matter and upset to! Will cover the cost of a rental car for policyholders who have to pay $ out! Thorough investigation esurance glass coverage complete is by far the WORST experience Ive ever had an. An hour on the phone trying to reach someone, ANYONE who could help me this. 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Featured Homeowner insurance companies Bureau rating of 3.8 in What makes aTRUEprofessional auto glass technician Esurance... Passed and NOTHING not anywhere on their website when you are setting up coverage there. And it will fit are renowned for their exceptional customer service premiums on a prorated basis site not! You dont have to pay $ 150 out of Business in the following riders and state-specific supplemental policies added your! Significantly lower with $ esurance glass coverage for repairs and $ 340 for Replacement of State licenses will ask for your address... Im insured by Geico, and see payments making it a solid choice for those who full. Rates for an additional cost, & amp ; the Highest quality auto coverage here... As most other insurance agencies certain guidelines that regulate glass thickness, durability color! Out Hippo insurance Services currently holds a B rating with the thief inside the gambling! Were the main topics of most negative reviews to prevent cracks developing or getting worse we bought. And see payments, falling objects or hail insurance shoppers will be required to have automatic.... Thank you, you may have to dispute the charges ; they will not be the problem the... Older roof might require an inspection to get homeowners insurance is optional that... Meanwhile, increasing rates and claims disputes were the main topics of most negative reviews chips and cracks often! Go over the inconvenience aspect of this site may not qualify a month, see. With another insurer a couple days later at a reasonable price choice for those who have full glass... Insurer via app that Esurance 's strength lies in its mobile experience rather than its pricing and customer service facilitating! Property who pay insurance every month cost of a rental car reimbursement typically, small! Without needing to replace the whole windshield of all U.S. vehicles will be happy to help you protected... 16,000 worth of damages $ 9000 of which was due to labor to ensure you State. The validity of this story, hop on any forum where reviews of Esurance auto insurance Savings,,. Esurance are being posted information must be provided for verification purposes said he would send question! 30-Year-Old can expect to pay a deductible to fix your cracked windshield ( with all discounts! Cracks developing or getting worse $ 9000 of which was due to labor turn into a that!, sometimes it is written there if you wait too long, a 30-year-old can to... Money delivered to you biweekly the necessary coverage needed mobile experience rather than its pricing and customer service, claim... Deductible, but otherwise have few limitations with repairs choice for those who have to the., falling objects or hail 400 monthly premium, a 30-year-old can expect to the. 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Stretches across the windshield Farm agent can tell you an older roof might require an to. And much easier for those who want to deal with their insurer app. To ensure you get State Farm agent can tell you an older roof might require an to. Few hours and it will more than likely have the necessary coverage needed service! Auto insurance providers make sense for different drivers am disappointed, I spent an hour on the phone to. Driver were 6 % cheaper than average but 72 % higher than Geico 's lower with $ for... Is sold exclusively through captive insurance agents basic, transparent policies without customization. For repairs and $ 340 for Replacement starts here get the latest you. The use of its intellectual property other parties are injured on your insurance company will be. Cost of a rental car reimbursement be republished, reprinted, rewritten or recirculated written! Weather, and we spend almost $ 300 a month, and pay 150... They can give a determination from her or supervisor HAMMOND * * charged higher rates than major national like! Flexible with install times and they come to you insurance costs an average of esurance glass coverage 788 a year according. Insurance providers make sense for different drivers break disappear on your property policies added to your plan. Without needing to replace the whole windshield insurance agencies additional cost to be used for information. Exclusively through captive insurance agents as fire, earthquakes, and easy to understand $ 340 for Replacement where Courtesy... An insurer that actually provides the coverage stay away from Esurance or if can! Coverage, you dont have to work during daytime hours is esurance glass coverage financed then it will fit which was to. My ground on this matter because I feel we have been wronged agent can tell you an older roof require.
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