This is an important and good thread that I have bookmarked and will be referencing later this year. Keep the information coming. We have already been notified by Farmers that our policy won’t be renewed this fall and I’m not looking forward to having to find a new provider at a reasonable rate. Our home is over 20 years old, but has a two month old roof and is in excellent overall condition. I dumped The Villages Insurance several years ago because of their very poor and slow communication and inability to find us competitive rates relative to an outside agency. My wife and I have owned six homes during our lives and have collectively filed a grand total of ZERO homeowners claims, but that doesn’t seem to work in our favor. I would be willing to consider signing a waiver prohibiting us from litigation for a new roof in exchange for a more reasonable rate if that’s what necessary. I would be very interested in feedback from others who have explored that option?
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