I purchased a home in The Villages that was 18 yo and my insurance co. refused to insure it until I replaced the roof. So, my broker found me another company that insured me for a little over a year before they went bankrupt or something and had to drop me. I replaced my roof (at my expense) and my broker found me an insurance company that charges half of what I was paying before and half the deductible. That said, almost every home in my neighborhood has had their roofs replaced in the last year or so AND most of them did it by only paying their insurance deductible. I am happy for them, BUT I sure hope it does not mean that I have to help absorb some of the cost to the insurance companies with a raise in my premiums.
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