Talk of The Villages Florida - View Single Post - Most unprofessional experience trying to purchase my first home in TV.
Thread: Most unprofessional experience trying to purchase my first home in TV.
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Old 04-06-2025, 04:25 AM
Malsua Malsua is offline
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Quote:
Originally Posted by BrianL99 View Post
This whole roof/insurance thing, is mostly a red herring.

Most insurance companies will insure a home, regardless of roof condition.


https://floridapace.gov/blog/home-in...f-requirements
I'm not sure where you're getting this statement.

If the roof is 16+ most underwriters will not write a new policy. There are two that I'm aware of that will write a 20 year roof. None will write a 21+ roof.

Most sales of homes 10 years old or older require a 4 point or Wind Mitigation inspection (or both) before insurance will write the policy. Both inspections include roof information and condition.

I am a licensed, certified, insured and bonded home inspector. I deal with these issues for people every day. I don't make them get the inspections, the insurance company does. On many sales, If they want insurance, they have to change the roof covering. If you have an old or roof of an unknown age, on your home, they will keep raising your rates annually. When you call to complain, they say "get an inspection". When you get the inspection, if roof is 15 years or older, and does not have an expected life of at least 5 years, they can drop the policy.
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