Just thought I would ask this here. Our roof might have hail damage. The lower roof definitely has icicle damage. We are deciding if it is best to just replace the roof ourselves or have the adjuster come out and possible have the ins. company pay for it. My main question is- how much would the rates go up if we went with option 2?? Is it worth it in the long run?? We could probably purchase shingles etc.. for $1500 total.