Quote:
Originally Posted by mtdjed
For those of you looking for more reasonable home insurance and have roofs 15 to 20 years of age, this is an update of State Farm. I got a song and dance of how they do not reject simply because of age and believe that a roof is good until it is defective. They offer a program that allows you to hire one of their qualified independent inspectors ($125). I did that and got a report that said my roof was good for at least 5 more years and perhaps more if I replaced ridge caps.
Waited about 3 weeks after submitted by inspector to State Farm and got reviewed by underwriters of State Farm. They rejected the inspection report and said they would insure only if I replaced the roof.
That after I was told that no one in The Villages that they had represented previously had their roof rejected if they had a satisfactory inspection.
I just wanted to debunk that urban myth. A Villages roof was rejected under 20 years of age even though inspector said it was good for five years.
For what is worth????????
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Our insurance premiums were going to significantly increase for the coming year, so I called around and State Farm was the most cost effective. However, they required a 4 point inspection and gave me the numbers of some local inspectors. I soon realized that it would be a $150-$300 charge. I called State Farm back and said that your company is now not the best choice. They agreed to pay for the inspection, which indicated that my roof has 5 more years left. Our house was build in 2007.