Had a bad hail storm and now getting a new roof. State Farm came out and agreed and will be getting that done shortly. But, I've learned about the different classes of shingles...Class 1 to 4. They will only pay for a Class 1, which is a 30 year shingle. If I could go to a Class 4, a 50 year shingle, and pay the difference. From what all I've gathered, I have about 33.6 squares, the difference out of pocket would be around 1500 dollars. State Farm would also give me a 20% discount on the premium. Currently paying 2500 a year for insurance, so 500 a year in annual savings from that 20%, would pay for itself in 3 years. But, around here, we get hail storms a lot. Wondering if it's worth the cost while assuming that the chances of having roof damage again within 3-5 years is highly probable. One more issue, I freaked when I saw the premiums as I've been use to paying 12-1500 a year in homeowners. What are ya'll paying? Mine is a normal lot, good neighborhood, 100K liability, 5K medical, I do have earthquake clause with it.....180K dwelling and 170K on personal property. House is about 1800 sq ft with garage and central heat/air. Just seems really high insurance wise. This is my first claim. Rood is about 11 years old. I've also read that if your roof gets to about 75% of life expectancy and then file a claim, then you probably won't get anything from the insurance company because of depreciation, so maybe going to a 50 year shingle is not a bad idea.