Quote:
Originally Posted by Number 10 GI
I don't see a leg the insurance company can stand on in regards to making a homeowner replace a metal roof within X number of years. It is pretty common knowledge asphalt shingles deteriorate in a short time becoming brittle and less able to handle severe weather. It is understandable that an insurance company will require a new roof if the existing one is old, they don't want to have to pay to replace it in 5 years. Most metal roofs have a 50 year warranty, something that no asphalt shingle manufacturer will provide. The sun doesn't harm the metal to where it deteriorates in any form other than some fading after a number of years. Rust, tornados and hurricanes are the only things that will damage the metal. I have seen houses and farm buildings with the old style, flat metal roofing that have been on houses that are 50 years + old, that even though faded are still repelling rain.
In Florida, how many asphalt shingle roofs will be needed in a 50 year span? This is something the insurance companies should get behind, save them a bunch of money long term.
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One of the main reasons we moved to TV earlier in life (55) was because we were being forced by the insurance companies to replace our tile roof that had no damage. The roof was a 100 year roof. No need to replace. We had two wind mitigations done on our roof and presented that information to the insurance company, they promptly dropped us because we failed to replace our perfectly excellent condition roof. We didn't even have a cracked tile that needed replacing. We were then forced to go to citizen's and our rates were 1000/mo for insurance.
That's their leg to stand on, do it or else. The insurance companies control the housing market in this state. I will never pay for a metal roof until laws are changed because you will be replacing that roof every 10 years, regardless.