Insurers shifted roof replacement costs onto homeowners thanks to a new federal rule — just in time for hail and hurricane season

Homeowners facing extensive roof damage now face a tough choice: file an insurance claim that may lead to higher premiums or pay out of pocket for costly repairs or replacements. This shift in financial responsibility is due to a new federal rule that insurers have swiftly implemented, coinciding with the peak hail and hurricane season. This change not only adds financial strain but also raises questions about the sustainability of insurance premiums and the long-term financial stability of affected homeowners. It underscores the urgent need for policy adjustments to protect consumers from such abrupt cost shifts.