Homeowners insurance question

[taruffi57]

We are being cancelled, and a new roof is required. A roofing estimator has shown me blown off and broken shingles and advised that I file a claim. I never get on my roof. My current insuror wants a date the damage happened. Can anyone remember what month and year that many thousands of Villages home had shingle blow-offs around 5 years ago? I am assuming that they will consult weather records to confirm that. Thx for any info.

[Babubhat]

The date other villagers had the roofs blown off is irrelevant to your situation. You need to prove your damage on a particular day. Going to be difficult in court

[Bjeanj]

How old is your roof?

[villagetinker]

The last time I saw winds hard enough to damage roofs was when hurricane IRMA went through, ours was fine, about 1/4 mile away there were several damaged, but I agree with above this will probably not help you. When I was up North, I had hail damage, the insurance company pulled weather records, found that was a hailstorm 50 weeks prior, the cut-off was 52 weeks for a claim, they covered the back half of the roof that was damaged, front half was my cost.
IMHO, the cost of the roof replacement will be yours.

[kkingston57]

We are being cancelled, and a new roof is required. A roofing estimator has shown me blown off and broken shingles and advised that I file a claim. I never get on my roof. My current insuror wants a date the damage happened. Can anyone remember what month and year that many thousands of Villages home had shingle blow-offs around 5 years ago? I am assuming that they will consult weather records to confirm that. Thx for any info.

Hurricane Irma struck TV in September 2017 was last significant storm which might have caused damages.

[Bjeanj]

Hurricane Irma struck TV in September 2017 was last significant storm which might have caused damages.

From what I understand, there is a time limit for claims, including any from Irma. And that time limit is over.

[banjobob]

The insurance company we had would only replace the damaged shingles ,after there adjuster viewed the damage. Beware of the door to door roof estimates to get your total roof replaced.

[midiwiz]

We are being cancelled, and a new roof is required. A roofing estimator has shown me blown off and broken shingles and advised that I file a claim. I never get on my roof. My current insuror wants a date the damage happened. Can anyone remember what month and year that many thousands of Villages home had shingle blow-offs around 5 years ago? I am assuming that they will consult weather records to confirm that. Thx for any info.

There is a severe weather database that is online, also the roofer should know what the date is because they use that database

[midiwiz]

The insurance company we had would only replace the damaged shingles ,after there adjuster viewed the damage. Beware of the door to door roof estimates to get your total roof replaced.

if the damages is less than 25% then you get what you got, over 25% you get a new roof. and there is no reason to beware of the 'roof replacers' that go door to door. They are licensed and inspected just like the rest.

[Morgkell]

Can I ask who your insurance company is?

[DaleDivine]

The last time I saw winds hard enough to damage roofs was when hurricane IRMA went through, ours was fine, about 1/4 mile away there were several damaged, but I agree with above this will probably not help you. When I was up North, I had hail damage, the insurance company pulled weather records, found that was a hailstorm 50 weeks prior, the cut-off was 52 weeks for a claim, they covered the back half of the roof that was damaged, front half was my cost.
IMHO, the cost of the roof replacement will be yours.

Irma blew off some shingles of my neighbor behind me and neighbor across the street.
Their shingles were the same color and style. My roof was fine.
:)

[noslices1]

if the damages is less than 25% then you get what you got, over 25% you get a new roof. and there is no reason to beware of the 'roof replacers' that go door to door. They are licensed and inspected just like the rest.

If the door to door roofer tells you that you may have a leak, because some shingles are loose, and then tells you he will tarp the roof temporarily, And then the insurance company refuses the claim, the roofer will charge $1000 plus for the tarp. With all the free roofs going up in my neighborhood, I called the original roofer who put this on when the house was new and they came and inspected it. It was 16 years old and they told me that other than a little bit of sand in the gutters, that should last another five or six years. If my insurance company decides to cancel me, I will ask them to take the roof off of the insurance and just cover everything else. Don’t know if they’ll do that, but I will be responsible for my roof.

[RickyLee]

This is why all of our insurance is so expensive. These roof people are only in this game for the money. They could care less how much it cost us later. Sounds to me like your roof is old enough that it should be replaced anyway, pay for it

[Bonnevie]

I suspect those who defend the door to door roofers may have taken advantage of the "free roof". talked to Batterbee Roofing rep who was overseeing a new roof in my neighborhood and he told me how he had done an inspection and the roof was fine. the person then got one of the door to door who found "storm damage" and was putting on a new roof. My neighbor was told by one of the door to door people that "I guarantee I will get you a new roof" without even looking at the roof. and he got one.

what amazes me is that people are comfortable using an out of the area roofer for something as important as a roof. McHale's told me that a lot of the calls they are getting for leaks are to those roofs and the company's won't come back. sure the new roofs look nice but it's not like the county inspector actually goes up and makes sure it's done right....I saw one...they just walk around from the outside. when I have my roof done, I want a local company with a good reputation for doing good work, and who I know will come back if there's problems.

[shermdogny]

We are being cancelled, and a new roof is required. A roofing estimator has shown me blown off and broken shingles and advised that I file a claim. I never get on my roof. My current insuror wants a date the damage happened. Can anyone remember what month and year that many thousands of Villages home had shingle blow-offs around 5 years ago? I am assuming that they will consult weather records to confirm that. Thx for any info.

Call Secured Roofing. Chris will help you with date of damage and filing a claim.

[Skip]

I suspect those who defend the door to door roofers may have taken advantage of the "free roof". talked to Batterbee Roofing rep who was overseeing a new roof in my neighborhood and he told me how he had done an inspection and the roof was fine. the person then got one of the door to door who found "storm damage" and was putting on a new roof. My neighbor was told by one of the door to door people that "I guarantee I will get you a new roof" without even looking at the roof. and he got one.

what amazes me is that people are comfortable using an out of the area roofer for something as important as a roof. McHale's told me that a lot of the calls they are getting for leaks are to those roofs and the company's won't come back. sure the new roofs look nice but it's not like the county inspector actually goes up and makes sure it's done right....I saw one...they just walk around from the outside. when I have my roof done, I want a local company with a good reputation for doing good work, and who I know will come back if there's problems.

Was told by a reputable local roofer that if you have damage on 3 or more slopes, the insurance would cover a whole new roof (and any damaged plywood under the failed shingles that they later discover during removal). Local companies like Batterbee and McHale will do a close inspection, mark the damage and tell you if you are probably eligible for insurance replacement (less your deductible). They've been around a long time and know the ropes. They are friends with the insurance companies not adversaries like the "door-to-door" guys.

Good luck, Skip.

[Papa_lecki]

When we bought, our inspector did a roof wind mitigation report. We sent that to the insurance company.
I dont think the MAIN issue is water penetration (its an issue, but not their primary concern) -
its wind. Will the roof withstand a wind storm? They’re not worried about the cost of the roof, its the cost of replacing the inside, if the rood blows off

[ElDiabloJoe]

When we bought, our inspector did a roof wind mitigation report. We sent that to the insurance company.
I dont think the MAIN issue is water penetration (its an issue, but not their primary concern) -
its wind. Will the roof withstand a wind storm? They’re not worried about the cost of the roof, its the cost of replacing the inside, if the rood blows off

Very informative. I upvote you.

[Bonnevie]

When we bought, our inspector did a roof wind mitigation report. We sent that to the insurance company.
I dont think the MAIN issue is water penetration (its an issue, but not their primary concern) -
its wind. Will the roof withstand a wind storm? They’re not worried about the cost of the roof, its the cost of replacing the inside, if the rood blows off

I moved from an area that was 3 miles from the Gulf of Mexico because I got tired of dealing with Citizens Property Insurance (the state run which is the only one who would insure us). the only wind damage I ever had was a turbine vent blew off. now one of my friends during a real storm (not what we get here) did have her roof blown off but no one else near her did...it was a freak instance. she, of course, got a new roof and coverage for all repairs inside, as she should.

we live in probably the safest place to be regarding storms. while they have happened, the number of roofs being replaced for "storm damage" defies logic. it is insurance fraud but the people indulging in it rush to tell you how the door to door roofer found "storm damage". Batterbee said some of these people even have tools that cause the damage so the insurance company pays.

again, a roof is a major investment. I'm going to treat it like any other major home improvement and get estimates from local, reputable companies who will stand by their work. in my neighborhood, that may make me the chump who didn't get a "free" roof, but I won't need to worry about being pennywise and pound foolish.

[Papa_lecki]

I moved from an area that was 3 miles from the Gulf of Mexico because I got tired of dealing with Citizens Property Insurance (the state run which is the only one who would insure us). the only wind damage I ever had was a turbine vent blew off. now one of my friends during a real storm (not what we get here) did have her roof blown off but no one else near her did...it was a freak instance. she, of course, got a new roof and coverage for all repairs inside, as she should.

I am from the northeast. Wind and shingles is not an issue there, our insurance challenge is trees falls due to excess ice or winds.
I knew about hurricanes in FLA, but not worried about them so much in TV. I was surprised to hear all the talk about wind and shingles.

[Patsycoal]

No they won’t on HO policies

[Teena Q]

Seems like you are responsible for it anyway, so what is the point of having the insurance, right? All insurance seems like a scam. You pay on time, they fight not to pay for what you paid for. Seems like there should be a better way!

[Joe C.]

BEWARE !!! If a roofer or roofing company rep knocks on your door looking for your business, HE IS BREAKING THE LAW. Soliciting homeowners for new roofing is illegal in Florida. It's a relatively new (2 years) law passed by the legislature and fully endorsed by our governor.

Also, the reason your homeowner's insurance has gone crazy is mostly due to these roofing companies "guaranteeing" a new roof that they say your insurance company will cover.

[jebartle]

Get wind mitigation with Village inspector, then get Kin Insurance. Our previous insurer insisted on new roof if our insurance would continue, Village insurance was broker, needless to say, we did not get new roof. Kin was cheaper, coverage was more...

[bimmertl]

BEWARE !!! If a roofer or roofing company rep knocks on your door looking for your business, HE IS BREAKING THE LAW. Soliciting homeowners for new roofing is illegal in Florida. It's a relatively new (2 years) law passed by the legislature and fully endorsed by our governor.

Also, the reason your homeowner's insurance has gone crazy is mostly due to these roofing companies "guaranteeing" a new roof that they say your insurance company will cover.

Federal judge blocked the law in July.

Judge blocks key portion of Florida property insurance law (https://www.tampabay.com/news/florida-politics/2021/07/13/judge-blocks-key-portion-of-florida-property-insurance-law/)

[Skip]

Federal judge blocked the law in July.

Judge blocks key portion of Florida property insurance law (https://www.tampabay.com/news/florida-politics/2021/07/13/judge-blocks-key-portion-of-florida-property-insurance-law/)

Good catch!

Anyone know how often to have your roof's Wind Mitigation Report done? Is this a one time check of your rafters or does it need to be updated every few years?
Anyone have this done recently? What was the cost of the inspection report. How much in premiums did it save?

Tnx, Skip

[laboutj]

No they won’t on HO policies

Who is 'they' and what won't they do?

[thevillages2013]

I am from the northeast. Wind and shingles is not an issue there, our insurance challenge is trees falls due to excess ice or winds.
I knew about hurricanes in FLA, but not worried about them so much in TV. I was surprised to hear all the talk about wind and shingles.

No wind damage in the northeast? I guess I was just dreaming about those BOMB CYCLONES

[midiwiz]

Federal judge blocked the law in July.

Judge blocks key portion of Florida property insurance law (https://www.tampabay.com/news/florida-politics/2021/07/13/judge-blocks-key-portion-of-florida-property-insurance-law/)

in addition - none of those companies start work until the insurance company approves the replacement .

[midiwiz]

If the door to door roofer tells you that you may have a leak, because some shingles are loose, and then tells you he will tarp the roof temporarily, And then the insurance company refuses the claim, the roofer will charge $1000 plus for the tarp. With all the free roofs going up in my neighborhood, I called the original roofer who put this on when the house was new and they came and inspected it. It was 16 years old and they told me that other than a little bit of sand in the gutters, that should last another five or six years. If my insurance company decides to cancel me, I will ask them to take the roof off of the insurance and just cover everything else. Don’t know if they’ll do that, but I will be responsible for my roof.

that's because YOU not your insurance company allowed it. so you're the sucker in that case. Also no they will not take the roof off the insurance - it's part of the house, that's insane.

All insurance companies of any worth have a standing rule now, and it's not because of these 'replace your roof" guys it's all the Floridians that for decades allow their roof to go to crap and then find an event to have their roof replaced for free by the insurance company. Decades this has been the scam, now it's done. If your roof has 5-6 years left they won't unsure it. One good storm and they are replacing it.

So in reality, the original roofer found no damage - you are stuck roof needs to be replaced. That's the end - otherwise you can go through the insurance scam (as it's been called in this state) where you find a cheap company that will insure the home and not care the roof is too old.... good luck because when the chips are down they won't come through. I've seen it many times over the years. I had a neighbor do this and on vacation their dishwasher somehow went nuts and they came home to a flooded house - covered? Nope they went with the cheap guys over $40,000 in damages (initially, ended up when all said and done $60,000) every dime they had to pay.

Good luck getting out of it - not any more.

[midiwiz]

I suspect those who defend the door to door roofers may have taken advantage of the "free roof". talked to Batterbee Roofing rep who was overseeing a new roof in my neighborhood and he told me how he had done an inspection and the roof was fine. the person then got one of the door to door who found "storm damage" and was putting on a new roof. My neighbor was told by one of the door to door people that "I guarantee I will get you a new roof" without even looking at the roof. and he got one.

what amazes me is that people are comfortable using an out of the area roofer for something as important as a roof. McHale's told me that a lot of the calls they are getting for leaks are to those roofs and the company's won't come back. sure the new roofs look nice but it's not like the county inspector actually goes up and makes sure it's done right....I saw one...they just walk around from the outside. when I have my roof done, I want a local company with a good reputation for doing good work, and who I know will come back if there's problems.

thepoint is there is nothing wrong with the door to door guy - he's licensed and insured - the problem is people stupidly not going through the process- which is working with an adjuster first and not doing anything until the insurance company approves the claim. THAT is the problem.

[Luggage]

Every five years , $300 or more to for me. Cost of independent inspection is $90-100 .

[Luggage]

And you can ask your insurance company for a list of inspectors. The main thing I saw them look at is whether or not you have the metal tie downs between your raptors and your masonry walls. But I'm sure there's a little bit more than that. And if your house is built in the last 7- 17 years I'm sure it was probably to the code that required them. Kind of silly to even pay for it if you have a home inspection that was approved by the building inspector when your home was built in the last decade or so but that's the way it is. And nowadays most insurance companies when you get a new company send their own inspector around or you can do a self-inspect with your camera phone

[mrf0151]

Was told by a reputable local roofer that if you have damage on 3 or more slopes, the insurance would cover a whole new roof (and any damaged plywood under the failed shingles that they later discover during removal). Local companies like Batterbee and McHale will do a close inspection, mark the damage and tell you if you are probably eligible for insurance replacement (less your deductible). They've been around a long time and know the ropes. They are friends with the insurance companies not adversaries like the "door-to-door" guys.

Good luck, Skip.

Exactly right. Our Travelers claims adjuster was on our roof elbow to elbow with the Rep from APC Roofing doing our inspection. It was the claims inspector that said we need a roof because of loose panels and over 25% damage. There is the right way to get this done with no BS.

[Cliff Fr]

Last I heard State Farm was sueing one of the door to door roofing companies. They claim their "inspectors" are ripping off shingles and punching holes to simulate storm and hail damage. All the so called "free" roofs the insurance companies have had to pay claims on have caused rates to go up and caused people's insurance to get cancelled if they have older roofs