[bluGill]

See your policy - there may be limits on what vendors you are allowed to use. There is typically a large choice, but it isn't everyone.

I agree though, don't call unless you are sure you will file a claim. If the item is regular maintenance don't file a claim if you can. That is if you need to replace your roof and discover hail damage you could then claim and get a replacement roof, but your insurance will go up. Insurance is for major issues where you wouldn't expect to pay that price but it might happen (fire..), hail is borderline - a roof that is almost new that needs to be replaced makes the costs (a second time in 5 years...) unreasonable, but if the roof is already 20 years old it should be normal to pay to replace it even if without the hail you might have got 10 more years.