ᐅ Is it possible to file a fictional claim for hail damage on the roof?

Hello,
Unfortunately, I cannot find a section for "roof" in the forum.
Maybe someone here can give me a tip.

Is it possible to settle a hail damage claim on a garage roof (metal roof) through the building insurance using an estimated cost process?
Similar to how hail damage to a car is handled?
That is, excluding VAT.
Or is an estimated cost settlement not allowed for claims through building insurance?
Since this is mainly a cosmetic issue, an estimated cost settlement is being considered.
The defect does not currently cause, nor is it expected to cause, any further damage in the future.

Thank you very much.

Yes, it is possible. Having several detailed cost estimates makes it easier. It is also common, for example, after water damage, to bill separately. For instance, tiling might be invoiced for the insurance, while painting work is estimated.
As a general rule, the value is around 70% of the replacement cost. Google also shows some other examples on this topic.

For a minor issue like damaged corrugated metal sheets, I would generally consider whether it’s worth filing a claim with the insurance. After two or three of these small damages, they quickly say goodbye, and then it gets expensive.

The fictional damage settlement is currently uncertain in court, just as a side note.

guckuck2 schrieb:

For a minor issue like damaged corrugated metal sheets, I would generally consider whether it’s worth filing an insurance claim. After two or three small claims like that, they quickly say goodbye, and then it gets expensive.

Correct. With new insurance policies, you're increasingly losing tiered discounts per claim. So, a small claim often isn’t cost-effective.

HilfeHilfe schrieb:

Correct. With new insurance policies, you increasingly lose cumulative no-claims discounts after a claim. So, a small claim often isn't worthwhile.

Worse is being canceled by the insurer. That doesn’t make finding a new policy any easier and usually leads to higher premiums. And without insurance, you can’t get a bank loan.