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Originally Posted by Blueblaze
Well, if the roof was bad, I'm glad the buyers get a new roof out of the deal. But it's more likely that they just couldn't find an insurance company that is willing to abide by the 2022 law that forbids an insurance company from rejecting coverage due to a 15-year-old roof that has 5 years of life left in it.
But good news! There is at least one honest insurance company left -- Kin. They just wrote a policy on my perfectly serviceable 16-year-old roof at a very reasonable rate. Unlike these moronic Florida companies that insist on writing full-replacement policies on a depreciating asset, Kin depreciates the coverage of the roof as it ages, so they don't have to worry about roof scammers.
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Just be prepared to go through the insurance hunting process again in 1 year. Kin was my former insurance company of 1 year before they increased my rate by over 100%. I now have State Farm, who insured my house with a 16 year old roof. I've owned my home for 5 years now and have had 4 different insurers.