This is not unusual in Florida. I have lived here for 32 years and have owned multiple homes, mostly rentals. Currently I have an insurance company sending in an inspection crew to do a roof inspection on one of my rentals in Brevard County. If I were to refuse them access then they would cancel me immediately. The insurance company is paying for the inspection. I am not worried because I replaced that roof about five years ago and I know it’s in good shape. On other homes where the roof was getting to about 15 years old I hired my own inspector before the insurance company did it for me. Seen as I was paying the inspector then it was his job to say the roof the plumbing and the electric were in good shape. But I agree with the other people on this thread. If your roof is 17 years old it needs to be replaced. That’s just how things are in Florida I’m afraid. Every time a hurricane blows through insurance companies end up buying a lot of roofs and they don’t like that. In 2004 there was a series of hurricanes that caused a great deal of damage in Florida. At that time the major insurance carriers try to cancel all homeowners insurance in Florida. Our governor at the time got a lot of legislation passed quickly that did not allow the insurance companies to do this. We are somewhat at their mercy but it’s not too bad in the villages. The coastal counties have a much harder time with purchasing and retaining insurance on their homes.
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