[Topspinmo]

Originally Posted by Blueblaze

Cheapest I could find on a Courtyard Villa rental property, with a 17 year old roof warrantied for 20 years, in perfect condition, was $1000 from Kin, which stills seems insane for a tiny concrete and steel house house built to 130 mph wind standards. But the alternative was $2,457.81 from "American Integrity", with a rider that specifically excluded the roof, despite the law the legislature passed a couple of years ago that forbids that practice, The roof is on a depreciation schedule with Kin, instead of one of those idiotic "full replacement" policies that started all the insanity in the first place. If it blew away, I wouldn't get much for it, but that's better than paying the price of a new one over the next 10 years without actually getting a new roof, which is what "American Integrity" apparently thinks I should do.

By the way, 20 year roofs don't suddenly fall apart in 15 years or even 20. That's just the warranty. The warranty on your car is probably only three years or 30,000 miles. Do you throw away your car every three years? I intend to replace that roof when it shows signs of no longer being capable of doing the job -- not when some insurance or roof salesman tells me to buy one.

Well that’s find till you can’t get insurance which many of use got caught in catch 22.