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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I contacted them for a quote after my 23% increase from Florida Family. My roof is 4 years old and the home was built in 2000. The response I got was "State Farm is not insuring homes built prior to 2003".
La-de-da!