Roof replacement needed, should I file a claim?

[Peter Sik]

Got 2 reply from roofers, they found significant hail & wind damage to the roof which contains x2 layers of shingles and can not be repaired. So total roof replacement is needed , cost about $10000.  Want to know should I file an insurance claim or pay by my own pocket? I heard after claimed, the insurance fee next coming years will be sky high. Which way which I go? Thank you.

[John Underwood]

I think I would file a claim given that this is a 10k roof repair.

I hope that you have this in an LLC so that the claim will go against your business EIN and not your SSN.