Well, good news everybody! Problem solved! In 2021, the Florida Legislature made it illegal for an insurance company to reject a 15-year-old roof that has been inspected and proven to have 5 years of life remaining!
My Florida Insurance company -- American "Integrity" -- immediately responded by tacking on a rider that completely removed my 14-year-old roof from coverage -- and hiked my rate 20%! I'm still waiting to hear from what passes for an "Insurance Commission", concerning this obviously illegal action. No doubt , they'll get to my little problem about 10 years after they deal with all the fraud and abuse following next year's surprise hurricane disaster that's never happened before in Florida. Gotta give Morgan and Morgan a chance to snub their nose at the 2022 Tort Reform law, you know!
A.I. was so intimidated by the new insurance law that they hiked my rate 100% the next year, while I was still waiting for a response from the gooberment. That's what you get for complaining about your treatment at the hands of the Florida roofing/insurance/politician cartel, I guess.
Fortunately, this year, Chicago-based Kin stepped in and wrote me a depreciated asset policy that's merely twice what I paid for twice the house in Texas. But who knows what's in store, once the introductory rate expires. I'll probably wind up just doing without. Hope they don't send some guy to break my legs!
And to think, this all started because half my neighbors let some door-to-door crook scam their insurance company out of a new roof. How does someone reach our age without figuring out that there is no free lunch?
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