Quote:
Originally Posted by Blueblaze
The solution to the roofing scams would be unbelievably simple to solve -- just treat a roof like the depreciating asset that it is. Why is that so hard to understand? You don't expect State Farm to buy you a set of tires for your Ford every five years; why do you expect them to buy you a roof every ten? Other states don't have a problem with this idiotic issue, just states like Florida that are run by lawyers for their own amusement, full of crooked idiots who think a "free roof" is free.
30 years ago, I had half of my 3-year-old roof blown away by an Oklahoma tornado. Allstate replaced that HALF of my roof. But in Florida, you can get a new roof if some scam roofing company finds a loose shingle, because all of these dumb insurance companies insist on writing these idiotic "full replacement cost" policies, and then paying on a scam rather than fight a crooked lawyer. Want reasonable insurance rates? Quit demanding unreasonable insurance policies and free roofs!
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We have a winner. If it is determined that the life span of a roof is 20 years, and it is damaged and requires an entire new reroofing at 15 years you determine the cost to replace, divide by 20, subtract 15, and this is what you get. Over 20 years old? You get nothing except debris removal.