Well so far they dropped my rate because I have a new roof now.
It's common in our 'hood for contractors to drive around and offer to do free roof inspections, which lead to insurance claims and work for them. I have always turned those away, it sounded kind of sleazy. But I organized this through my insurer, they sent the appraiser out and controlled the whole process. 
Depending on the insurer, they don’t like people who file claims. Then again, getting dropped is a good excuse to shop for a better rate
