When we bought our current house last fall we went through our Allstate agent, as we had used Allstate for our previous house plus auto insurance. The company she wanted to put us with (which offered sinkhole coverage) wouldn't insure us at all with the existing 20 year old roof. Our options were (1) go with a different company and forget about sinkhole coverage; (2) replace the roof and go with the company that offered sinkhole coverage. We opted for #2. We had to agree to replace the roof and provide evidence of such within 30 days or something. I figured 20 years was considered near "end of life" for a Florida roof. I would rather replace it now than cross my fingers and hope I don't have a problem during the next hurricane anyway.
Life in Florida is certainly different than in other parts of the country, isn't it.
kathy
|