Should I use insurance or go through the builder to fix a damaged new roof?
House is 4yrs old and has a warranty through the builder. A couple of days ago there was a terrible wind storm that ripped off roughly a 6 by 4 foot section of shingles - 3 tab design.
Should I bother with going through the builder (assuming they cover it) or just go straight through my home owner's insurance and risk getting higher premiums?
I've debated fixing it myself, but if it leaks and causes further damage then I might be screwed if it is determined that I did a crappy job.