It is amazing that the insurance policies are written in such a way that a roof that fails when it is 20 years old and and roof that fails at 5 years old are valued the same. I do not understand why they do not have wear and tear written in the policy so that they will only cover 20% or so of the replacement of an older roof, the same method used for car tires.
I know of one instance where the customer was told that the weather incident to report was hail on a certain day and time. I didn't have any hail at my house and I live 60 feet away. Must have been selective hail. Someone is pocketing a lot of money.
We need new blood in the Florida Insurance Commission in Tallahassee.
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