Quote:
Originally Posted by fourjayranch
We received a letter today from the Villages Insurance stating that our roof needs to be replaced due to “wear and tear with granular loss.” The carrier is Cabrillo Coastal.
The roof is 17 years old. Last fall, I had the roof inspected by a local roofing company whose representative stated the the roof was in good shape and had an additional 2-3 years of life.
I plan on calling the Villages Insurance tomorrow, but I’m wondering if anyone has experienced something similar and how you handled it.
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Of course it is not my house or my wallet. Both are saying the same thing. Roof is 17 years old, has an additional 2-3 years of life. Obviously there is no date code on jan of 2024 your roof will fail. The insurance company says it will fail shortly we do not want to accept the risk for water damage.
I have a friend, in Florida, not the villages, who unlike me thinks like an accountant. He is aggressively putting money into an account, a pile to pay for the roof he will need in a year or three. Our homes are mostly ranch style a large roof for the square footage.
His home about the same as mine. A roof he figures is 25,000-OUCH.
We had a roof done on our previous home. Just beware of who you hire. I've read people saying it can be done for less than what Home Depo or Lowes will charge.
Reminder not in Florida so names do not matter.
I knew a friend? had just had a roof done. He highly recommended the people who did his roof. I contacted his guy. The estimate was higher than Home Depo or Lowes.
The work was TERRIBLE. We had leaks that damaged our plaster and paint etc.
They patched the leaks refused to fix the damage. After the job was done, we got a memo that if we recommend them to anyone and they book the job WE WILL GET A CHECK FOR ???? I THINK IT WAS ABOUT $500. My friend? he disappeared.
My point is beware. To do a roof they will remove the old roof. You are exposed.
If they then tell you the underlayment, plywood, today more likely chipboard need to be replaced and it will cost you another $$$$$$ you are not in a position to shop for a better price and they know it.