Quote:
Originally Posted by tonyt57
No body scammed anybody. If one doesn’t need a new roof, the insurance adjuster and the insurance co can deny the claim.I actually had an adjuster soliciting roof work. When I called my insurance co they were fine with that, no conflict! The insurance co won’t lose, they raise your rates , the roofers are happpy, and the shingle manufacturers are happy that nobody is asking why a 30 year shingle needs replacing in 10 or 15 years
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You're out of touch with recent modern history of the roofing business and insurance in the Villages then.
Unscrupulous roofing companies spent an entire season climbing up healthy rooftops of homes, breaking off a piece of a single shingle, and telling the homeowner that this was "proof" that they needed an entire new roof that would be covered by insurance. They would take pictures of the "damage" from various angles, and submit it as evidence to the insurance company, so the homeowner didn't have to do a thing.
Meanwhile, the roofing companies were padding the damages, inflating the costs, knowing exactly what each insurance company would pay for a roof replacement.
The roofs - for the most part - didn't need replacing at all. Some of them really did have damaged shingles but those individual shinges could have been repaired, replaced, or even remained damaged if the damage was minor enough.
The companies scammed the insurance companies, made bank, homeowners got brand new roofs that they didn't need, and everyone else's rates went up as a result.