New Roofs

[New Englander]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

[tophcfa]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

You should be concerned, the roof scam thing is out of control and having a huge impact on homeowners insurance premiums. DeSantis is forming a commission to investigate this and hopefully bring it under control.

[Madelaine Amee]

The recent and latest POA bulletin has an in depth explanation for how these scam artists managed to do this in Florida. It does look as though home owners will end up footing the bill for this roofing scam.

We had a 25 yr architectural roof, but our insurance company threatened to drop us unless we put on a new roof. They actually gave us 2 months to get a new roof. We went with Bowles, they did an excellent job and the cost was acceptable.

[Stu from NYC]

Hopefully Florida will put a stop to this. Disgraceful situation

[Bogie Shooter]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

The roof scam will impact your premium. Plus, the appreciation value could as well.

[Chi-Town]

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.

[New Englander]

When the roof on my house is worn to the point of needing to be replaced, I WILL PAY FOR IT. This fraud is hurting all of us.

[Madelaine Amee]

When the roof on my house is worn to the point of needing to be replaced, I WILL PAY FOR IT. This fraud is hurting all of us.

Unfortunately, the insurance company does not let your roof get to that point, it is age not wear.

[missyomama]

So It's a win win situation for the gypsy roofing companies that started this mess. They ran their scam for 3 or 4 years and replaced roofs needlessly at exaggerated prices.
Now the insurance companies are forcing their customers to replace their roof because of age not condition.
Now the prices are inflated because of lack of supply.

[woolman44]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

The defective product could not stand up to FL heat.
Tar like substance could be observed oozing down valleys.
Defect time varied depending on color of shingles. Most failed in 3-7 year time period.

[keepsake]

This roofing scam is affecting even those of us with metal roofs. I saw a $1,000 increase Jan 2022. Even thou it's the shingle roofs that the scam affects, insurance is making everyone pay for it.

[Topspinmo]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

It’s going to be higher , how much and if they will insure the roof depends on what insurance company you have.

Have you been watching news? Roofing scams been going on for over year. We are all going to pay more.


Bottom line there no free lunch, somebody paying for it.

[Topspinmo]

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.


Yep, you missed something….

[thevillages2013]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

In my village Pine Hills people have been getting their roofs replaced because of a faulty valley membrane. The material melts and runs into the gutter or on the fascia. Homes built in 2016 or there about. My roof doesn’t have that component

[Chi-Town]

Yep, you missed something….

Please fill me in.

[Anne Cink]

Yep, you missed something….please tell us why

So, won't you please tell us how the scam companies wrangle the legitimate companies into giving their customers a new roof?
And, why on earth would someone trust a company that knocks on their door to do something as important as replacing their roof? Is the homeowner not allowed to choose their own roofer?

[richrjones]

You should be concerned, the roof scam thing is out of control and having a huge impact on homeowners insurance premiums. DeSantis is forming a commission to investigate this and hopefully bring it under control.

Where is the scam occurring at. The roofing company inspects a homeowners roof and finds damage. Is this the scam? I don't think so.
The Homeowner based on this inspection, reports the damage and files a claim. Is this the scam? Nope.
The insurance company sends a adjuster out and they either agree or disagree with the roofing company. If agrees, Homeowner gets a new roof, if disagrees, a suit is filed to let the courts decide if this is a legitimate claim.
So far I do not see a scam in play here. The only thing I see is a few roofing companies being very aggressive in seeking out homeowners with damaged roof, so far not against the law.
They actually are doing a service for the Homeowners as without their inspection, the Homeowner would not know their roof was damaged to a point it needed replacement.
Neither the roofing company nor the Homeowner has created the loss, it is what it is, so where is the scam???

[Skunky1]

I sounded the alarm to my insurance company two years ago nothing happened. I see a roof going on today on a house that had architectural shingles in a neighborhood where the houses went up in 2007. I hear Homeowners brag that they got a free roof. If you have high insurance rates and didn’t get it free roof thank your neighbor That got a new roof for free!

[crash]

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.

The roofing company Sue’s the insurance company’s and it is more costly to defend the case than to pay for the roof. The insurance company also pays the roofers lawyers if they lose.

[noslices1]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.

[Madelaine Amee]

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.

I was in your position with my insurance company. I could not get anyone else to take me on. I went to the State, I tried everything, finally, after getting a new roof installed, my insurance company grudgingly renewed with me. It was a nightmare. I wish yu well in your search.

[irishwonone]

Where is the scam occurring at. The roofing company inspects a homeowners roof and finds damage. Is this the scam? I don't think so.
The Homeowner based on this inspection, reports the damage and files a claim. Is this the scam? Nope.
The insurance company sends a adjuster out and they either agree or disagree with the roofing company. If agrees, Homeowner gets a new roof, if disagrees, a suit is filed to let the courts decide if this is a legitimate claim.
So far I do not see a scam in play here. The only thing I see is a few roofing companies being very aggressive in seeking out homeowners with damaged roof, so far not against the law.
They actually are doing a service for the Homeowners as without their inspection, the Homeowner would not know their roof was damaged to a point it needed replacement.
Neither the roofing company nor the Homeowner has created the loss, it is what it is, so where is the scam???
Roofing repair schemes push Florida insurers to brink (https://www.abcactionnews.com/news/price-of-paradise/roof-repair-scams-push-florida-insurers)

[nsantelli]

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.

Lawsuits. Read the POA lead article in this months Bulletin. The lawyers are what makes the scam possible,

[bowlingal]

Chi-Town....read the POA that was dropped in your driveway in the last couple of days. Do NOT ignore this paper, it has lots of important information about what goes on here in the Villages

[Topspinmo]

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.

Go get quote from AAA.

[Topspinmo]

I sounded the alarm to my insurance company two years ago nothing happened. I see a roof going on today on a house that had architectural shingles in a neighborhood where the houses went up in 2007. I hear Homeowners brag that they got a free roof. If you have high insurance rates and didn’t get it free roof thank your neighbor That got a new roof for free!

There word I could use for them, but I will refrain from it cause I’m nice guy..:shocked:

[Lindaws]

Maybe batch of bad shingles. This happened north of 466a years ago.

[Zipcat]

We have our insurance through USAA , it’s offered for military.
They do not have the ‘ replace your roof ‘ requirements.

[Rzepecki]

You should be concerned, the roof scam thing is out of control and having a huge impact on homeowners insurance premiums. DeSantis is forming a commission to investigate this and hopefully bring it under control.

Yeah, this roof scam is a b***h! Insurance companies raising your rates and telling you it’s because your roof is 12 years old. Huh? But I have a 30 year roof. I have an inspection saying there’s no problem with my roof. Too bad, says the insurance company. Yeah? Too bad for you insurance companies. Shouldn’t start something you can’t finish.

[FredJacobs]

This roofing scam is affecting even those of us with metal roofs. I saw a $1,000 increase Jan 2022. Even thou it's the shingle roofs that the scam affects, insurance is making everyone pay for it.
Insurance companies are prohibited from increasing premiums on individuals. Instead, they "redline" an area and increase premiums on all policyholders in the redlined area. Health insurance companies use zip codes to calculate the premium because health costs vary by region. In both cases, if an individual policyholder becomes too expensive to continue to insure they just refuse to renew the policy.

[airdote22]

New Englander;2093051]I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.[/QUOTE]

How about a new state law allowing insurance companies to delete roofs from their base policies, then if residents want to insure them it would be a add on for a seperate cost.

[christine J Toft]

Where is the scam occurring at. The roofing company inspects a homeowners roof and finds damage. Is this the scam? I don't think so.
The Homeowner based on this inspection, reports the damage and files a claim. Is this the scam? Nope.
The insurance company sends a adjuster out and they either agree or disagree with the roofing company. If agrees, Homeowner gets a new roof, if disagrees, a suit is filed to let the courts decide if this is a legitimate claim.
So far I do not see a scam in play here. The only thing I see is a few roofing companies being very aggressive in seeking out homeowners with damaged roof, so far not against the law.
They actually are doing a service for the Homeowners as without their inspection, the Homeowner would not know their roof was damaged to a point it needed replacement.
Neither the roofing company nor the Homeowner has created the loss, it is what it is, so where is the scam???
The roofing scammers are filing with the insurance companies for damage from "storms" that isn't there. The majority of homes on my mothers street here in the Villages got a new roof from the same roofing company that trolled the neighborhood. Mom got a new roof and paid for it herself. Follow the news. It's a huge scam.

[Quixote]

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.

I too must have missed something. I called a roofing company used and recommended by friends who had used them. No one knocked on my door. A rep of the roofing company examined the roof and found it damaged to the point of potential leakage. My next door neighbor asked the rep to check her roof; he found no problem on hers. My insurance company sent its own rep, and he too agreed there was a problem, and since roofs are covered under my homeowners' policy, they paid for a new roof. Where's the scam?


Unfortunately, the insurance company does not let your roof get to that point, it is age not wear.

Not necessarily; see above. My roof and neighbor's roof were the same age (just shy of twenty years). I had damage; she did not. Hence, mine was covered; hers would not have been.


Yep, you missed something….

You were asked what was missed; I too ask the same question. Why did you not reply?...


Do I expect my rates to go up? Of course. Will I complain about it when it happens? Nope. I received a service, and I recognize, as pointed out by Chi Town, that the insurance company is in business to turn a profit; it is not a charitable organization.

[Curtisbwp]

How many $ billions of dollars has insurance companies paid out due to antifa, blm and riots? It is highly unlikely that a roof causes increases

[Mmhrdh0529]

What are the big differences with a metal roof. I'm thinking of looking into it and I didn't know if it would attract lightning strikes.

[Chi-Town]

Chi-Town....read the POA that was dropped in your driveway in the last couple of days. Do NOT ignore this paper, it has lots of important information about what goes on here in the Villages

The POA bulletin is a valuable source of information. The roofing article pointed the finger at roofing companies that sue the insurance companies regarding claims. There should have been a quick fix for that, and it appears that they have figured it out going forward. But the people in my neighborhood have either had their claims OK'd promptly or denied with one exception that may have fallen under the POA's concern.

[taruffi57]

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

ANSWER: ZERO. Unless you have hail or high wind loss of shingles.
Homeowners insurors are paying off - on the written word of the roofing estimators. They fon't even argue their determination as they know they will
likely lose at arbitration anyway.

I recently retired from 42 yrs. in roofing in Florida. Also, I just deposited a rather large and generous check to re-roof my home, which lost a few small inconsequentional shingle pieces from wind. My architectural shingles are 25 yrs. old and I wasn't going to replace, for another 2 yrs.

[taruffi57]

No. You are talking about a different and VERY unexpected problem. Tamko made a peel & stick heavyweight underlayment to lay up the vallies before shingles were layed. It bled out around valley shingles in the heat. Yes, insurance paid off to replace, and Tamko fixed their product. NO major brand of shingles is considered lower in quality than any of the others.

[conman5652@aol.com]

These type of roof problems were paid for by the shingles manufacturer. How do I know this is my house was one. Those home effected were built in 2016

[Topspinmo]

What are the big differences with a metal roof. I'm thinking of looking into it and I didn't know if it would attract lightning strikes.


Big difference , they will out last you. One and done.
Attract lightning? No it don’t, plenty of metal roofs in and out of bubble. The developers installs metal roofs but we can’t.

[Topspinmo]

These type of roof problems were paid for by the shingles manufacturer. How do I know this is my house was one. Those home effected were built in 2016


small percentage. Most was replace cause the were stained/scam related.

[nancyre]

The defective product could not stand up to FL heat.
Tar like substance could be observed oozing down valleys.
Defect time varied depending on color of shingles. Most failed in 3-7 year time period.
Those roofs are being covered under warranty from the defective under layment. Not insurance

[eremite06]

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.
Try www.FMAP.com

[JIMLUPO77]

When i call my insurance company to inquire how / why my home owners policy increased by 53%, since 2020. I was told replacement roofs were the main cause.

A lot of selfish villagers out there

[New Englander]

I'm the OP. Today I walked down the street I mentioned. There must be a dozen new roofs on houses on this street and three more about to be re-roofed. The signs are there "Safe & Sound Roofing Co."
We are all going to pay for this!!!

[mrlee]

I don't understand all this talk about roofing scams. I had my roofing replaced but only after the insurance company's own inspector look at the roof and then gave his OK. The installer said he could not start the replacement until he got a written approval from the insurance company to do so. Are the insurance company's inspectors in on the scams?

[keepsake]

"Big difference , they will out last you. One and done." Metal

Metal here too. Sold on a 50 year roof. Only 20 years old now. Ins agent "replace it, save $500" or we raise you $1000

[Heytubes]

A $1000. bribe buys a lot. I got a couple of estimates on my roof—12,400 to 15,600. Told the roofing company I’ll pay $8500. They said no way. Told them I’d bring my roofer from Atlanta where I used roofers in my business and that I’d get it done for $6500 which included travel and disposal as well as the permit being pulled. Twenty minutes later I got a call saying they would do it for the $8500 as long as I paid for any extras such as new plywood. That ended up being $500. There is soooo much profit in roofing. Of course the worker comp insurance for roofing is high, but they still made a profit at 9k on a 1527 sf house. If you do not ask, you will not receive.

[EdFNJ]

Our insurance hasn't gone up more than $20-$30 a year over the last 5 years since we moved in. It's about $850 now inc sink hole coverage. Roof is just about 9 years old IIRC. it was replaced a few years before we moved in under mfg's warranty as was a large part of this area. It's a 2/2 Colony. Next renewal is in July. This has me nervous now. It's Travelers insurance.

[mike234]

well, if we are ALL going to pay for it, then maybe we should ALL get new roofs, if we are ALL going to pay for it anyway?
do I really have to chip in some more money for insurance, for the guy next doors new roof?

[SkylightRoofing]

The issue isn’t just that roofs are aged and brittle. The issue revolves around the fact that FL insuring companies (carriers) aren’t renewing policies (unless roof replaced of course) based on so many folks putting in claims 2018-2021.

Some of those claims were legitimate, but many of the field adjusters who approved them should not necessarily have done so. There were also some roofing companies sending inexperienced kids into TV to sell roofs to everyone without trying providing a proper inspection as a contractor.

We have never done that in TV’s and have always provided top service to all. Honest inspections and service.




I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

[ithos]

Is there a Florida State license required to be a roof inspector? There should be a way to put these con people out of business or in jail if they are repeatedly condemning structurally sound roofs.

[ElDiabloJoe]

No. You are talking about a different and VERY unexpected problem. Tamko made a peel & stick heavyweight underlayment to lay up the vallies before shingles were layed. It bled out around valley shingles in the heat. Yes, insurance paid off to replace, and Tamko fixed their product. NO major brand of shingles is considered lower in quality than any of the others.
Your experience and expertise make you a valuable contributor - especially to this thread. Thank you.

[Topspinmo]

I'm the OP. Today I walked down the street I mentioned. There must be a dozen new roofs on houses on this street and three more about to be re-roofed. The signs are there "Safe & Sound Roofing Co."
We are all going to pay for this!!!

I have 84 villa’s in my village only 14 old roofs left. The drive by and spot the 3 tab shingles and lick there chops.

[Topspinmo]

The issue isn’t just that roofs are aged and brittle. The issue revolves around the fact that FL insuring companies (carriers) aren’t renewing policies (unless roof replaced of course) based on so many folks putting in claims 2018-2021.

Some of those claims were legitimate, but many of the field adjusters who approved them should not necessarily have done so. There were also some roofing companies sending inexperienced kids into TV to sell roofs to everyone without trying providing a proper inspection as a contractor.

We have never done that in TV’s and have always provided top service to all. Honest inspections and service.

“One hundred men will test today”….. but only 3 out 100 roofer’s/inspectors/ adjuster’s are honest :) IMO of course.

[Spikearoni]

Please fill me in.

The insurance company doesn’t pay for the new roof that they require due to the roof’s age. The homeowner pays for it.

[Spikearoni]

How many $ billions of dollars has insurance companies paid out due to antifa, blm and riots? It is highly unlikely that a roof causes increases

We were informed by an agent of The Villages Insurance that the high premium increase we encountered is due to the roofing scams along with the many land disasters on the west coast. Insurance companies operate out of a pool of funds and claims from mudslide, fire, wind, and earthquake damage affect the entire industry and the cost of policies.

[Chi-Town]

I have 84 villa’s in my village only 14 old roofs left. The drive by and spot the 3 tab shingles and lick there chops.

70 down with 14 to go. Tell me, how do feel about that.

[tvbound]

Following/researching this whole roof scam, has made me wonder if a buyer purchasing a used home will pay a higher premium if the previous owners used their insurance to replace the roof, or will a different insurer just consider a new roof is there - and take that into account (a lower premium)? Has anyone went through this yet?

[Madelaine Amee]

If you list a home for sale, the very first thing the Realtor asks is if you have a new roof, who did it and when. I do know this for a fact.

[laryb]

Go get quote from AAA.

Just re-insured my cars and cart with AAA because my previous insurer increased my policy by $450, and I had no accidents or violations (they saved me the $450). When I asked about my homeowners, he told me they weren't insuring new clients with roofs over 10 years old, only current customers.

[Dr.Butler]

Seriously considering a metal roof. Figure I would simply replace it myself and finance the whole thing

[Villages Kahuna]

There are likely one Of two reasons for the new roofs—either a roofing contractor got into your neighborhood and said he had done a drive-by inspection of the roofs and offered to file and insurance claim to cover most of the cost of a new roof. Or the homeowners have received letters from their insurance company saying that unless they have a new roof installed befor the renewal date on their policies, their policy would not be renewed. And with research the homeowners found that no homeowner’s insurance company would take them on regardless of their claim record.

The problem is those same roofing companies who took advantage of the insurance companies after the series of windstorms in recent years.

If you have a15-16 year old house it is very likely you’ll get such a letter this year before your contract renewal date. And the insurance companies will not be offering competitive premiums on roof repair or replacement coverage.