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Originally Posted by MNJohnson
When I received our homeowners policy and noticed the significant increase in our annual premium, I started doing some research. Please be aware that these roofing companies are preying on the elderly who will believe what they are told since most are unable to see the roof themselves. They are also having you sign an assignment of benefits saying that they will take care of your roof for you with no money out of pocket. The reason is that by signing that form, you are waiving your negotiating power and allowing them to charge your insurance company whatever they please for your new roof. This then raises everyone's insurance premiums. If you look at switching insurance companies now when your rates are high, you also will need a roof that is less than 14 years old for them to consider taking you. All of these claims and new roofs that probably weren't necessary are causing everyone's rates to go up.
I encourage you to google: assignment of benefits Florida, for more information on the form roofers are having you sign.
Be extremely cautious of people who come around knocking on your door offering services! Most are out to take advantage of you. Do your research and take your time with making decisions.
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Funny thing. I ask roofer to take a look at ours and he did. He showed me pictures of damage. Put in claim and insurance adjuster came out and agreed on the damage. We had a hail storm. Got a new roof for deductible. Just got my new premium and cost went down $25. I think people are jealous but I’m sure there are scam roofers out there so be careful