Home owners insurance just shot way up so I started shopping around, only to find everyone else is a lot higher, with two refusing to insure due to the age of my roof. It’s ready to be replaced anyway, and it would just about half my premium if replaced, so we started getting bids. Some were seemless, but others really pushed on me to file on insurance for hail damage. Almost insistent. What’s the angle there? Something just doesn’t seem right with that. Is there extra money in it for roofers on an insurance claim versus me just paying for it? My deductible is well over half the price of the roof, so I just don’t see the benefit of dinging my claims history over a few grand. The roof is over 20 years old that I know of so it would be replaced regardless... Any thoughts on this?