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Originally Posted by ithos
AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?
For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.
Florida insurance companies add new requirements to avoid insuring older homes |
American Integrity added a rider that completely excluded the 13-year-old, recently inspected roof, the same year they passed the new law, and then doubled my rate. I repeatedly complained to the state insurance commission and never got a response. I switched to Kin.
We've lived here 4 years, and over time we've learned that nearly all of our neighbors got a free roof during the scams that came through 2018-2019 -- which was about the time our previous owner died. It must have been a bonanza for scammers, like nobody's ever seen. It's a wonder anyone can get insurance anymore.
Nobody prosecuted the scammers and now nobody prosecutes the insurance companies. Law is meaningless if nobody enforces it. There's a lesson there.
So who knows if my new insurance company would actually pay a real claim. Why would they? But good news, everybody! They don't enforce the new tort reform law, either, so I can just call Morgan and Morgan when my house burns down (and fork over 50% of the payout)!