Insurance company requiring new roof

[fourjayranch]

We received a letter today from the Villages Insurance stating that our roof needs to be replaced due to “wear and tear with granular loss.” The carrier is Cabrillo Coastal.

The roof is 17 years old. Last fall, I had the roof inspected by a local roofing company whose representative stated the the roof was in good shape and had an additional 2-3 years of life.

I plan on calling the Villages Insurance tomorrow, but I’m wondering if anyone has experienced something similar and how you handled it.

[retiredguy123]

It sounds like it is time for a new roof. I don't think you have much choice. If the company who inspected your roof last fall was someone who knocked on your door unsolicited, don't hire them. McGinnis is a good company, but you should get at least two quotes from licensed roofers. And, whoever you hire, don't pay any money in advance.

[fourjayranch]

Yes. Actually the reason I had the roof inspected last fall was because I was being solicited for a free roof inspection by a company based in Orlando. The rep didn’t seem like the most ethical person so I decided to contact someone on my own to do the inspection. Thanks for the information.

[EdFNJ]

Seems legit. A friend recently bought a home in a development in Brevard county and they had 2 insurance companies refuse insurance unless they replaced their 15 yr old roof. They found one that did not require replacement but their rates were over 2x the one that did.

[rjm1cc]

I think most co's like the roof to be replaced at 15 years. You might try showing them your report and ask for a renewal and you will get the roof replace for the following year renewal.

[mike234]

I have never heard of something like that. are they really going around and telling people to replace your roof, or else no insurance?

[sdeikenberry]

In our neighborhood several homes sold required a new roof before the new owners could get insurance. Home insurance companies want to protect their investment, and an old roof can cause major damage inside the home if it fails during a storm...especially if the roof is the old 3 tab shingle. New shingles are much better at withstanding storms. And, if you're a homeowner, why wouldn't you want to protect your inside home also? The same logic for replacing a worn roof is the same as replacing those worn tires on your car...sure you might get another 5K miles, but is it worth the risk?

[Northerner52]

I'd rather pay a monthly bond payment than have to put a new roof on or replace the AC

[JudyLife]

I had exactly the same last year with Carrillo. We live in the U.K. so felt unable to faff about & had a new roof in June 2020 done by ‘The Roof Guys’ who were great to work with. The roof was 13 yrs old. Had we been permanent in TV I would’ve probably just had a company inspect & repair any ‘loose or lifting tiles’ but being so far away it was a real worry, so decided to just go for the new roof.

[ssimone45]

My insurance rate went up 25% because of the storm damage in the area and all the roofs that were being replaced even though I didn’t buy into the roof scam. My roof is 13 years old!

[matandch]

Big brother is watching.

[Leadbone1]

Unless or until you have a problem with your roof it’s nobody’s business to tell you that it needs to be replaced. That said several insurance companies will not ensure a roof that is over a certain age. But if you already have this company then they don’t drop you because of it. Also I’m sure they did not offer to pay for it? I got mine replaced as it was 20 years old but it was because of a wind storm that came through and did damage. My insurance did not pay for the whole roof but ended up paying for like half of it. I don’t get any of my insurance through the villages.

[Debra Freeman]

I have had several insurance companies tell me they won’t insure a home after about 15-17 years. It is indeed the business of your insurance company to weigh their liabilities. A roof in Florida is good for about 15-17 years. I have had to replace roofs many times on many homes because insurance companies won’t continue insurance. You have no choice except wait for a hurricane and put in a claim or replace the roof and have insurance.

[DIver0258]

I have never heard of something like that. are they really going around and telling people to replace your roof, or else no insurance?

This does happen. We were with Villages insurance, they almost doubled our premium and stated they wanted the roof replaced to continue coverage. Some are blaming the roofers that are replacing roofs with storm damage running claims numbers up. We chose to insure with another company.

When we sold the property in July 2020, the purchaser had to sign a waiver at closing acknowledging that the roof was 12 yrs old and would need replacement in a few years.

[markusb741]

Cabrillo did the same thing to us last year. We tried 8 different insurance companies and got the same answer, NO, because the roof was to old. Apparently, they go to local authority to see when last building permit was taken to replace the roof. The only company that would give us insurance was USAA, at twice the cost we previously paid. We had Batterbee Roofing come out to inspect our roof and they found no problems with it other than it was old, meaning no insurance claim and we had to pay for a new roof ourselves. I think the insurance companies are getting wise to all the roofs they have been paying for the last two years. Good luck

[Back9]

I don't know all the details and angles, but I hear there is rampant "scams" involving roofing companies encouraging home owners to claim wind damage when it's really simply roof age, and then legally forcing the insurance company to pay for a whole new roof, something like that. Then insurance companies stop selling insurance, naturally. Sounds like a pretty botched law. Trial lawyers involved who hold sway in the state legislature.

[Boston1945]

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.

[retiredguy123]

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.
I think they do allow some types of metal roofing. I would ask ARC about it..

[Back9]

Speaking of roofs, I'm in a similar situation and have a rubber roof. It's old, but I think it's just "worn around the edges".

One roofing company heard I had a rubber roof and said, "We don't deal with those. We can't help you." Then I suggested, "How about replacing with shingles?" ... "Oh sure, we can help you with that."

All my roofing estimates have said "new roof with shingles". But are they just saying that because I have a rubber roof, which they don't have expertise with?

Does anyone know of a roofing company that has experience repairing rubber roofs?

Thanks in advance.

[Back9]

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.





I like that idea!

The Villages prohibits metal roofs?

[J1ceasar]

Because a new roof cost 10 to 15,000 and I guarantee you almost all the roofs that were put on were 20 or 25 year warranties

[Papahorse]

I just went through a customer service nightmare with Villages Insurance similar situation - ended up getting a new roof from McGinnis Construction and insurance from State Farm. VI just was not help at all, seemed like they just were not interested in our business anymore after 13 years with them

[SusanKD]

You are the 3rd homeowner to complain about this. This must be something new with insurance companies. This is happening in Florida and Virginia.. it seems the insurance companies are forcing to get new roofs iif old or get inspection to prove they are ok. I’m not sure of all the guide lines, but if you don’t replace your roof it could mean. Canceling your policy or paying a higher premium.

[retiredguy123]

Because a new roof cost 10 to 15,000 and I guarantee you almost all the roofs that were put on were 20 or 25 year warranties
The 25 year roof warranties are provided by the shingle manufacturer, not the builder or the roofer who installs the roof. In my opinion, the warranty is just a selling point and a sales gimmick to market the shingles.

[fifilebon]

This is not unusual in Florida. I have lived here for 32 years and have owned multiple homes, mostly rentals. Currently I have an insurance company sending in an inspection crew to do a roof inspection on one of my rentals in Brevard County. If I were to refuse them access then they would cancel me immediately. The insurance company is paying for the inspection. I am not worried because I replaced that roof about five years ago and I know it’s in good shape. On other homes where the roof was getting to about 15 years old I hired my own inspector before the insurance company did it for me. Seen as I was paying the inspector then it was his job to say the roof the plumbing and the electric were in good shape. But I agree with the other people on this thread. If your roof is 17 years old it needs to be replaced. That’s just how things are in Florida I’m afraid. Every time a hurricane blows through insurance companies end up buying a lot of roofs and they don’t like that. In 2004 there was a series of hurricanes that caused a great deal of damage in Florida. At that time the major insurance carriers try to cancel all homeowners insurance in Florida. Our governor at the time got a lot of legislation passed quickly that did not allow the insurance companies to do this. We are somewhat at their mercy but it’s not too bad in the villages. The coastal counties have a much harder time with purchasing and retaining insurance on their homes.

[richs631]

We received a letter today from the Villages Insurance stating that our roof needs to be replaced due to “wear and tear with granular loss.” The carrier is Cabrillo Coastal.

The roof is 17 years old. Last fall, I had the roof inspected by a local roofing company whose representative stated the the roof was in good shape and had an additional 2-3 years of life.

I plan on calling the Villages Insurance tomorrow, but I’m wondering if anyone has experienced something similar and how you handled it.

Change insurance companies. You’ll be surprised that your probably over paying. Insurance company just trying to get off the hook should your roof need to be replaced from a storm.

[diva1]

It sounds like it is time for a new roof. I don't think you have much choice. If the company who inspected your roof last fall was someone who knocked on your door unsolicited, don't hire them. McGinnis is a good company, but you should get at least two quotes from licensed roofers. And, whoever you hire, don't pay any money in advance.

Paying a deposit in advance is standard procedure.

[Lindaws]

The ins. company would make their assessment before approving the repair.

[retiredguy123]

Paying a deposit in advance is standard procedure.
Not true. I would never pay a deposit to a roofer or any contractor in advance. McGinnis recently installed a new roof on a friend's house, and they completed the entire project before asking for any money.

In some cases, it may be appropriate to pay for a custom item that a contractor needs to order. In that case, I would only pay the deposit with a credit card with a guaranteed delivery within 60 days, so that I could dispute the credit card charge. If the contractor would not accept the credit card, I would find another contractor.

[mrf6969]

Here ya go....
Roof Maxx
Asphalt shingles aren't what they used to be. In fact, they include less asphalt than they once did, so they dry out and fail faster than ever before. Fortunately, Roof Maxx's revolutionary new technology uses 100% natural plant based bio-oil to restore shingles' flexibility and instantly add five years of life to a roof. With three treatments possible, once every five years, Roof Maxx adds up to 15 years of added life to your asphalt roof.

The local owners of this company have been working with State Farm to help people in your situation. Insurance companies are getting burned by the roofing industry right now. If this scam persists or the laws aren't changed, These companies will eventually stop writing Homeowners Policies altogether. Most of the letters are blanket letters being sent to everyone with a 15-20+ year old home. The insurance company sometimes doesn't even realize a roof had already been replaced! I can't promise that they can help you but I know they will go to bat for you and your roof if they can revive it.

The price is peanuts compared to getting a new roof. This is not a scam, not a snake oil, you can get plenty of recommendations from their customers. They might just save you from spending over $10k on a new roof.

Check out Roof Maxx Roofing Company & Roof Rejuvenation | Roof Maxx (http://www.roofmaxx.com) then call Scott or Doug at 352-639-2777 or 603-396-5933

We work closely with this company and can honestly say that we believe in them and their product.

Shine On Pressure Washing

FYI the price for this application of "Roof-Maxx" is $2000.00 Said to last about 5 years.

[Nick B]

I have never heard of something like that. are they really going around and telling people to replace your roof, or else no insurance?
Quite common in Fla.

[MarSwan]

Same thing happened to me! You have no recourse . I had to pay to get a new roof on my villa. To add insult to I justly my policy has gone up too. This is all because many folks in TV claimed roof damage thru insurance. Now we who didn’t are getting the fall out.

[Nick B]

What party has majority in state legislature?

[Mike193534]

So what happens if you pay extra for a 30, 40, 50, year shingle? Can they (insurance company) make you replace it? If so it would make people want to go go for a cheaper shingle?

[DAVES]

We received a letter today from the Villages Insurance stating that our roof needs to be replaced due to “wear and tear with granular loss.” The carrier is Cabrillo Coastal.

The roof is 17 years old. Last fall, I had the roof inspected by a local roofing company whose representative stated the the roof was in good shape and had an additional 2-3 years of life.

I plan on calling the Villages Insurance tomorrow, but I’m wondering if anyone has experienced something similar and how you handled it.


Of course it is not my house or my wallet. Both are saying the same thing. Roof is 17 years old, has an additional 2-3 years of life. Obviously there is no date code on jan of 2024 your roof will fail. The insurance company says it will fail shortly we do not want to accept the risk for water damage.

I have a friend, in Florida, not the villages, who unlike me thinks like an accountant. He is aggressively putting money into an account, a pile to pay for the roof he will need in a year or three. Our homes are mostly ranch style a large roof for the square footage.
His home about the same as mine. A roof he figures is 25,000-OUCH.

We had a roof done on our previous home. Just beware of who you hire. I've read people saying it can be done for less than what Home Depo or Lowes will charge.
Reminder not in Florida so names do not matter.

I knew a friend? had just had a roof done. He highly recommended the people who did his roof. I contacted his guy. The estimate was higher than Home Depo or Lowes.
The work was TERRIBLE. We had leaks that damaged our plaster and paint etc.
They patched the leaks refused to fix the damage. After the job was done, we got a memo that if we recommend them to anyone and they book the job WE WILL GET A CHECK FOR ???? I THINK IT WAS ABOUT $500. My friend? he disappeared.

My point is beware. To do a roof they will remove the old roof. You are exposed.
If they then tell you the underlayment, plywood, today more likely chipboard need to be replaced and it will cost you another $$$$$$ you are not in a position to shop for a better price and they know it.

[Skip]

Not true. I would never pay a deposit to a roofer or any contractor in advance. McGinnis recently installed a new roof on a friend's house, and they completed the entire project before asking for any money.

Yes, reputable companies like McGinnis won't ask for a deposit, but in Florida the law states that the roofer puts a lien on your house until the job is finished, inspected and paid in full. If you have an insurance claim, they will wait for that final check. Could be two extra weeks. You must sign that agreement, acknowleging you understand a lien goes on before the work is started. Suppose to protect both the roofer AND the homeowner. McGinnis is easy to deal with. Lien release was fast. Watch out for many of the Orlando roofers. They quote low, but then find "hidden damage" under the shingles. Guess what?

Skip

[taruffi57]

I have 42 yrs. experience in the business in Cen. Fla. Unless damaged by hail or some other severe weather, 3-tab shingles are considered to be a 25 yr. product and architecturals, 30 yrs. Shingle mfrs. warranty that - on a prorated basis, in their written warranties. Why would they do that if their products won't actually last that long? Some granule loss is not an indicator of impending failure. I have been on - or actually worked on, in excess of 10,000 roofs. You need an inspection report from an honest roofing company.

[DAVES]

So what happens if you pay extra for a 30, 40, 50, year shingle? Can they (insurance company) make you replace it? If so it would make people want to go go for a cheaper shingle?


Like most warranties they are a gotchya. For roofing the shingles are half or so the cost of the job. To collect on a warranty, if, you do not use the company who makes the shingles to install it and their is a leak or a failure, the manufacturer will likely blame the installer. The installer, IF HE IS STILL IN BUSINESS, in the real world, it is highly unlikely, they would be, will blame the shingle manufacturer. Any warranty covers the shingles not the labor which is about half the cost. As to 30, 40 50 year roofs. They actually do exist
but you would not get such a warranty. A real tile roof can last that long. Most would not be willing to pay the cost and our homes are not designed to support the weight.

[CFrance]

My insurance rate went up 25% because of the storm damage in the area and all the roofs that were being replaced even though I didn’t buy into the roof scam. My roof is 13 years old!
American Integrity tried almost doubling rates on us (there was no storm, BTW), so we changed insurance companies. TV homeowners insurance broker was no help, so we went with Farmers (Bumpa Dum Bum BumBumBum).

[taruffi57]

(a) I know of no roofing product which contains "rubber". (b) if it is white, it is likely one or the other of the many single ply materials. Some are poor quality, but most are very high quality. (c) if it is Modified Bitumen, that is also a high quality - 20 yrs.+ product. There is a minimum pitch criteria for shingles installation.

[taruffi57]

Using Home Depot or Lowes or any other Contractor TO the actual installing contractor just means you are paying a profit to 2 companies. Deal with Local.

[Alana33]

Just wondering why shingles are used if you must replaced your roof every 15 years?
I lived in the Virgin Islands before moving here and we have no roofs with shingles, anywhere.
I've got a wood roof with a elastomeric coating on my home there.
The roof is 69 years old.
I pressure wash (annually to keep clean as we collect rain water from our roofs to supply our cisterns with water) and reapply the elastomeric coating every 5-6 years. Other homes have metal sheeting, cement roofs or clay tiles for their roofs but you won't find a single home on our islands with shingles.
We had both Hurricanes, Irma and Maria, go directly over the VI in 2017 creating major damages.
My roof stayed on, luckily, as not many did, but all it needed was pressure washing and reapplying the coating.
The VI climate is similar, we have rainy and dry seasons, many tropical storms, high wind conditions.
Why are shingle roofs so popular and widely used in FL?

[taruffi57]

"a roof in Florida is good for 15-17 yrs."
Hogwash. Old wives tale. Incorrect rumor.
Villagers are being scammed Re: Roofing, every day. (I just retired from 42 yrs. in the business - in Cen. Fla.)

[PugMom]

Yes, reputable companies like McGinnis won't ask for a deposit, but in Florida the law states that the roofer puts a lien on your house until the job is finished, inspected and paid in full. If you have an insurance claim, they will wait for that final check. Could be two extra weeks. You must sign that agreement, acknowleging you understand a lien goes on before the work is started. Suppose to protect both the roofer AND the homeowner. McGinnis is easy to deal with. Lien release was fast. Watch out for many of the Orlando roofers. They quote low, but then find "hidden damage" under the shingles. Guess what?

Skip
valuable info, thx 4 posting

[casamarietta]

roof was new but we just had to replace a pristine water heater, not even any rust on the metal catch tray, because of it exceeding a certain age. otherwise the insurer was gonna cancel us.

[jameslewis]

Quality roofing in Ocala is the best

[JohnN]

Interesting topic. I've no doubt the insurance companies and roofers are all wanting to maximize their profit at our expense.
I thought this was an interesting link, to use copper strips near the roofline. I wonder why that isn't used more?

Copper Roof Strips Shingles Adds 40 Yrs to Shingles - AsktheBuilder.com (https://www.askthebuilder.com/copper-roof-strips-shingles/)

[cndlou3]

Our insurance doubled with American Integrity, we switched companies and just had a new roof put on last week. So hopefully good for awhile. Had McHale Roofing do the job and are very please highly recommend them.

[DAVES]

This does happen. We were with Villages insurance, they almost doubled our premium and stated they wanted the roof replaced to continue coverage. Some are blaming the roofers that are replacing roofs with storm damage running claims numbers up. We chose to insure with another company.

When we sold the property in July 2020, the purchaser had to sign a waiver at closing acknowledging that the roof was 12 yrs old and would need replacement in a few years..

With insurance any insurance company. You are dealing with their risk of loss assessment. They do not all used the same risk assessment. You can bet they track we are loosing a lot of customers and they are going to xyz company.

As to blaming roofers etc. People are all the same. We would be shocked if the insurance company said, I needed a raise s we raised your rate to cover it. Oh and I'm glad you called I just wanted to thank you. Sometime reality sounds foolish but it is still
reality.

[DAVES]

Interesting topic. I've no doubt the insurance companies and roofers are all wanting to maximize their profit at our expense.
I thought this was an interesting link, to use copper strips near the roofline. I wonder why that isn't used more?

Copper Roof Strips Shingles Adds 40 Yrs to Shingles - AsktheBuilder.com (https://www.askthebuilder.com/copper-roof-strips-shingles/)

A simple answer. The price of copper has gone through the roof-accidental play on words. We buyers are the problem. One guy bids ??? 20,000 on a roof. The other guy uses copper, drives the nails by hand etc and he is 25,000. Will people, will we pay the extra 5,000.

I am not an expert. Our previous home had copper leaders and gutters. They were still fine after 40 plus years. I paid extra to have the roofer use copper. Usually they use nothing or aluminum. Aluminum plus copper, you have a battery, one metal the more active one ???? the aluminum, will desolve over time due to electrolysis.

[DAVES]

roof was new but we just had to replace a pristine water heater, not even any rust on the metal catch tray, because of it exceeding a certain age. otherwise the insurer was gonna cancel us.

We all have trouble with this concept. Things have a service life. In a plane for example,
a Jet engine must be replaced at, if, I recall 10,000 hours. Imagine, if when you book a flight they said we are betting your life we can get ???? 12,000 out of it.

Trucks, they actually analyze the oil to know when it is due to be changed and what is wearing abnormally.

Typically we all have the water heater in a closet with the AC air handler. If your hot water heater fails, cost to replace about $1000, it can cause a great deal of damage
till you notice it or get home from your vacation from being retired.

[retiredguy123]

roof was new but we just had to replace a pristine water heater, not even any rust on the metal catch tray, because of it exceeding a certain age. otherwise the insurer was gonna cancel us.
What do you mean by a pristine water heater? And, by the metal catch tray, are you referring to the drain pan under the water heater? A water heater corrodes from the inside and can start to leak even though you don't see anything wrong on the outside. The main reason to replace a functioning water heater is because of its age. A new water heater will operate more efficiently and will be less likely to leak and cause damage to your house.

[jebartle]

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.

We have tile, Villages insurance called, said roof needs to be replaced, we reminded agent that our roof was tile, stuttering followed. I think insurance company and roof industry are in cohoots.

[jebartle]

I like that idea!

The Villages prohibits metal roofs?

Metal roofs in Village of Caroline....hmmm!

[jebartle]

I'm sure as most posters, we've paid insurance premiums for 50 years without one claim, what a racket!!!!!

[Holpat39]

The Villages Insurance is not an insurance company. They are insurance agents that quote from various insurance companies that they represent.

[EdFNJ]

This does happen. We were with Villages insurance, they almost doubled our premium and stated they wanted the roof replaced to continue coverage. Some are blaming the roofers that are replacing roofs with storm damage running claims numbers up. We chose to insure with another company.

When we sold the property in July 2020, the purchaser had to sign a waiver at closing acknowledging that the roof was 12 yrs old and would need replacement in a few years. "Villages Insurance" isn't the one who creates your rates, they are just a broker. So "they" didn't double your rates your insurance company did, they simply send you the bill. They rep many companies. My insurance THROUGH Villages Insurance is from Travelers and went up $5.46 in my July 2020 renewal. Of course I have no idea what this July will bring.

[Topspinmo]

We received a letter today from the Villages Insurance stating that our roof needs to be replaced due to “wear and tear with granular loss.” The carrier is Cabrillo Coastal.

The roof is 17 years old. Last fall, I had the roof inspected by a local roofing company whose representative stated the the roof was in good shape and had an additional 2-3 years of life.

I plan on calling the Villages Insurance tomorrow, but I’m wondering if anyone has experienced something similar and how you handled it.


Dump them , village insurance company, well let’s say average at best IMO:ohdear:

[Topspinmo]

In our neighborhood several homes sold required a new roof before the new owners could get insurance. Home insurance companies want to protect their investment, and an old roof can cause major damage inside the home if it fails during a storm...especially if the roof is the old 3 tab shingle. New shingles are much better at withstanding storms. And, if you're a homeowner, why wouldn't you want to protect your inside home also? The same logic for replacing a worn roof is the same as replacing those worn tires on your car...sure you might get another 5K miles, but is it worth the risk?

That good sales pitch for roofing companies.

[Topspinmo]

"Villages Insurance" isn't the one who creates your rates, they are just a broker. So "they" didn't double your rates your insurance company did, they simply send you the bill. They rep many companies. My insurance THROUGH Villages Insurance is from Travelers and went up $5.46 in my July 2020 renewal. Of course I have no idea what this July will bring.


And take there cut. Like buying through second middle man.

[EdFNJ]

"Villages Insurance" isn't the one who creates your rates, they are just a broker. So "they" didn't double your rates your insurance company did, they simply send you the bill. They rep many companies. My insurance THROUGH Villages Insurance is from Travelers and went up $5.46 in my July 2020 renewal. Of course I have no idea what this July will bring.

And take there cut. Like buying through second middle man.


Yea and no. I compared 2 companies direct and through brokers last year and both rates were the same. Notably Progressive but forgot the other (I think it was some company based in South FL). Don't think they "add on" but do get a couple points discount from the insurance company for writing the policy. That PLUS the guy said his insurance DOUBLED. You think any insurance broker just will double it, or +25% or +50% just for fun ? Highly doubt that. All that will do is cost them a customer.

[kkingston57]

I was in the insurance business and hope that this might be a remedy to the demand that homeowner pay for a new roof. Our insurance company is claiming that we might need to replace a 5-6 year old roof in order to keep the same policy.

[kkingston57]

If you can get a metal roof, make sure you do not have any over hanging oak trees. The acorns hitting the roof might sound like a constant drumming

[Pairadocs]

I have never heard of something like that. are they really going around and telling people to replace your roof, or else no insurance?

We've never had anything like this either in any other state ! Built home here, upgraded to 25-30 yr. shingles, now 17, didn't trust the "door to door" guy offering a free "inspection and free roof" ( for filing a false claim for some non existent "storm damage" and offered us several "dates" of storms to choose from ??? This did not sound legit of course, so hired a highly recommended inspector and paid him. Roof was fine, sound, etc. Apparently, American Integrity would have preferred we turn in a false claim for "storm damage" because they raised our premium 300% at ONCE this year ! Lived in three states previously during career, never have encountered anything close to this, and have never had a claim. Something is very wrong with insurance here for sure !

[Hackercraft]

We have a new build in Monarch Grove do not really worried about this but I know that the new metal roofs are very durable should outlast us all. Only question is are they allowed here?

[daca55]

Same thing happened to me! You have no recourse . I had to pay to get a new roof on my villa. To add insult to I justly my policy has gone up too. This is all because many folks in TV claimed roof damage thru insurance. Now we who didn’t are getting the fall out.

I have a villa and I was wondering if you would share what you paid to have your roof replaced on your villa. Any recommendations on a roofing company? Thanks for the info!

[ProfessorDave]

The reality is - many insurance carriers got burned with likely thousands of roofs replaced in The Villages in the past few years - and were having to pay 50% premiums versus retail rates. Most of those roofs that were replaced "free of charge" likely were near the end of their "life" for property protection. So - it is not surprising there is a focus on roofs. In Texas and Oklahoma for example, many insurance companies put a substantial deductible for roof replacements.


A few thoughts:
a) Nobody can know if there are 2-3 years left on a roof. (I ran the largest roofing company in the country.)
b) Despite what the "label" says - most roofs in Florida last 15-20 years.
c) A primary reason for premature roof failure is not enough ventilation in the attic:
* Heat trapped.
* Shingles literally "fry."

Hope that helps.

[rustyp]

The reality is - many insurance carriers got burned with likely thousands of roofs replaced in The Villages in the past few years - and were having to pay 50% premiums versus retail rates. Most of those roofs that were replaced "free of charge" likely were near the end of their "life" for property protection. So - it is not surprising there is a focus on roofs. In Texas and Oklahoma for example, many insurance companies put a substantial deductible for roof replacements.


A few thoughts:
a) Nobody can know if there are 2-3 years left on a roof. (I ran the largest roofing company in the country.)
b) Despite what the "label" says - most roofs in Florida last 15-20 years.
c) A primary reason for premature roof failure is not enough ventilation in the attic:
* Heat trapped.
* Shingles literally "fry."

Hope that helps.

CentiMark Corporation: ?
Headquartered in Pittsburgh, PA, Centimark Corporation is the largest commercial and industrial roofing company in North America with over 85 offices in the United States, Canada, and Mexico.

[pianoman88]

The insurance industry shot themselves in the foot when they decided to include roofs in Replacement Cost coverage rather than Actual Cash Value. Even if the shingles are well past their expected life, the policy language specifies replacement with new material. Piecing in new shingles with old is often impossible, due to availability of color and texture. The only fix is a complete new roof. Your insurance policy has become a maintenance contract, and insurers are raising rates to cover. The same applies to siding and garage doors.

[Shacarr]

Same thing happened to me when we bought our court yard villa in Sept., 2018, age of roof 22 yrs. Our ins. was cancelled several months later indicating roof needed to be replaced even tho we had it inspected before closing. Checked with other agencies but wanted a new roof. Had roof done in March 2019 with McGinnis Roofing. Done in one day. Very satisfied, and ins. company was able to insure our home.

[Mike193534]

Like most warranties they are a gotchya. For roofing the shingles are half or so the cost of the job. To collect on a warranty, if, you do not use the company who makes the shingles to install it and their is a leak or a failure, the manufacturer will likely blame the installer. The installer, IF HE IS STILL IN BUSINESS, in the real world, it is highly unlikely, they would be, will blame the shingle manufacturer. Any warranty covers the shingles not the labor which is about half the cost. As to 30, 40 50 year roofs. They actually do exist
but you would not get such a warranty. A real tile roof can last that long. Most would not be willing to pay the cost and our homes are not designed to support the weight.

I was not referring to actual warranty but actual life of shingle. (30, 40, 50) year shingle. The houses here could and do support 50 year shingles, which are heavier than a 20, 25 yr shingle, but not as heavy as a 200 lb man ( or several) walking on and working on a roof. What would present a problem regarding weight would be a Vermont slate roof which would last up to 100 years. This would need extra framing to support this weight. Being in the construction industry for over 35 years (hands on) I have learned that roofing and shingles are only as good as the installer putting them on. If I were to pay for a 40yr or 50yr roof and insurance company told me I had to replace after 15yrs. I would fight this.

[taruffi57]

Reality: Shingle mfrs. warranty the MATERIAL for 25 yrs. (3-tabs) and 30 yrs. (architecturals). They know that the material will last that long. You are unlikely to get a workmanship/leak warranty from an installer for much over 5 yrs. Actually, if it's going to leak, it most probably would have done so withiin the first 5 yrs. Unusually rough weather is the only thing which would shorten the life of any shingle. Mfrs. "lifespan" test their products for worst case scenarios, so saying that shingles last 15 yrs. IN FLORIDA SUN, is an old wive's tale.

[taruffi57]

NO shingle mfr. reccomends ANY coating type "topping" on ANY shingles.

[taruffi57]

Marketing BS.

[stebooo]

Never had this on any home I have ever owned

[Curtisbwp]

Yes..my neighbor told me he was haveing difficulty renewing his insurance due to the age of his roof. House built in 2006

[deede]

In our neighborhood several homes sold required a new roof before the new owners could get insurance. Home insurance companies want to protect their investment, and an old roof can cause major damage inside the home if it fails during a storm...especially if the roof is the old 3 tab shingle. New shingles are much better at withstanding storms. And, if you're a homeowner, why wouldn't you want to protect your inside home also? The same logic for replacing a worn roof is the same as replacing those worn tires on your car...sure you might get another 5K miles, but is it worth the risk?

Yes I have to agree with you, that is a very good way to think about it..Have a happy day...

[joelfmi]

This is very important that home you buy especially if you pay by cash it should be inspected by licensed building construction inspector even if it is a brand new one, they see what you don't see or know. Pennywise dollar foolish.

[jack.g]

My premium just increased 50%. Like others have mentioned there are a lot of new roofs going up in my area and companies have come soliciting, which I have ignored. Roof age & insurance coverage is a reality nationally, especially in coastal communities.

[Holly Richardson]

It’s very challenging these days insuring homes. I’m an Allstate Agent soon to be living in TV. The reality is most carriers do not want a shingle roof over 10 years old. Your roof must have a minimum of 3 years of useful life and many carriers require 5. I’d be happy to provide you a quote if you’d like. I’m Holly Richardson and am the property manager at Lisa Faina Allstate Agency. Please call me 954-437-9220 ext. 308 or email hrichardson4@allstate.com. I work from home pre pandemic and will continue to do so in TV.

[JohnN]

Roof Maxx:

Somehow, I don't feel badly for insurance companies. Their primary interest is their bottom line and shareholders. Homeowners and policies are basically the food supply.

While I really like the concept of the Roof Maxx product,
if the insurance companies will not recognize the value and a homeowner is required to replace the roof anyway, what's the cost-benefit?

[Bay Kid]

Somehow, I don't feel badly for insurance companies. Their primary interest is their bottom line and shareholders. Homeowners and policies are basically the food supply.

While I really like the concept of the Roof Maxx product,
if the insurance companies will not recognize the value and a homeowner is required to replace the roof anyway, what's the cost-benefit?

Remember "those big, bad insurance companies"? I'm insurance poor.

[Topspinmo]

Remember "those big, bad insurance companies"? I'm insurance poor.

Over the long haul, insurance waste of money, you pay for people living in flood plains, on coast, knowing it going to flood and hurricane going to hit, which shouldn’t be building there anyway. Then, the fine print getting them out of paying if natural disasters occur. O wait read find print they don’t cover earthquakes, sinkholes, which natural disaster... or perfectly good old roofs now.

[SharonW]

So what happens if you pay extra for a 30, 40, 50, year shingle? Can they (insurance company) make you replace it? If so it would make people want to go go for a cheaper shingle?

It only gives you warranty for defective shingle not wear and tear.