Quote:
Originally Posted by mtdjed
So I am the starter of this thread. New input. I found my original procurement documents and specsof my house in The Villages. Our house was built in 2006 near lake Sumter Landing. The roofing shingles were Owens Corning Oak Ridge 30 year Shingles with matching shingle Ridge Vent. Interested to knowing if that is the standard for homes at that time in The Villages?
Checked what 30 year shingles means. First, they state that warranty must be registered within 60 days of procurement. Who would think of doing that when buying a new house. Second must be installed in accordance with their process. I wonder if our builder was obligated or documented as doing this. Do not think this will go anywhere but will be discussing with The Villages warranty office.
This info may be of interest of new buyers who happen to think about their roof 20 plus years from now. Just like me 17 years later.
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Your previous post said that your roof had been inspected and they found no problems beyond the fact that your 30-year roof is 17 years old. Whether on not the warranty is in effect is valid, there is nothing for them to pay out on. Your argument is with State Farm -- and all of your neighbors who stole new roofs from their insurance companies on the basis of some crooked roof salesman.
And, no, 30 year roofs are not the norm in The Villages, outside of the luxury village where you live in near Sumter. But what is the norm is the way they are installed under Florida law, which far exceeds anything in the manufacturer's warranty document. A 20 year warrantied roof is easily good for 30 years, even without Florida windstorm codes. Your 30 year roof would go 50, if the only thing the insurance company cared about was whether that roof is serviceable.
Think about it -- your new car is probably only warrantied for 3 years. Does that mean it should be thrown away 2 years from now? My 2008 Ranger has been out of warranty for 12 years, but the only maintenance it has ever required was oil changes, tires, and a battery now and then. I've certainly never had an insurance company reject it because it was approaching the end of the warranty. Know why that is? Because it's never had a comprehensive policy that promised to replace it with a new Ranger on the word of any random door-to-door car salesman!