A Villages insurance agent told me the game is, you sign over you claim to the contractor, the insurance company may or may not allow. If they don't allow, the roofer has a lawyer who then sues. If he wins anything, the roof gets done and the lawyer gets the damages, up to 10 times the claim. It's a quirk in the law here in Florida. In the same conversation, the agent said that no one will insure a roof above 15 years and at the time of the discussion (late Feb) one company, Coastal as I recall, just changed to 5 years on roofs.
DISCLAIMER - I did not research this, nor think too much about it, I am recalling and recounting as best I can. With the additional time available, perhaps someone else can look it.
FWIW
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