I'm not sure whether it is worth it to make a claim. A tree landed on our barn due to wind damage. There is siding and roof damage to the metal room. First, will the roof be replaced or repaired? A replacement cost much more and we would not be able to afford that; whereas a repair we may not need to file the claim. Second, if the insurance company does not pay out; can our policy still be surcharged for filing the loss even if we pay the cost to repair ourselves? Thank you, Melissa
State: 
Michigan

About The Expert

Dan Wade

Dan Wade

Dan Wade joined United Policyholders in January 2014. As Staff Attorney, he works primarily on the Advocacy and Action Program, helping draft and coordinate amicus curiae briefs, legislative advocacy, and legal research in partnership with UP staff and volunteers. Dan's relationship with UP began as a student in Professor Ken Klein's disaster law seminar where Executive Director Amy Bach was a guest lecturer. As a law student volunteer for UP, he researched trends in bad faith insurance law and tracked Superstorm Sandy insurance litigation. Dan gained transactional and litigation experience as a law clerk for Higgs, Fletcher and Mack, a mid-sized San Diego-based business law firm and externed with the U.S. Environmental Protection Agency Office of Regional Counsel, Region 5 (Chicago). Before joining UP, he was a post-bar intern at the Alliance for the Great Lakes, a Chicago-based environmental group. 

Dan earned his undergraduate degree from San Diego State University in 2007 and his Juris Doctor from California Western School of Law in San Diego in 2013. He was admitted to the Illinois Bar in 2013 and the California Bar in 2014. He is a member of various professional associations, including: the American Bar Association - Tort Trial and Insurance Practice Section, where he serves as Vice Chair of the Property Insurance Law Committee, the American Association for Justice, and the Consumer Attorneys of California. Dan also serves as Vice Director of the American Bar Association Young Lawyers Division Disaster Legal Services Program, a partnership with the Federal Emergency Management Agency that delivers free legal assistance to low-income persons affected by disasters.