Thank you

[Topspinmo]

Very much to scub——s Who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old . What comes around goes around. So, I hope you proud of yourselves for committing fraud.

[New Englander]

Very much to scub——s Who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old . What comes around goes around. So, I hope you proud is yourselves for committing fraud.

:agree:

[Badger 2006]

Very much to scub——s Who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old . What comes around goes around. So, I hope you proud is yourselves for committing fraud.

Check out the new Florida law July 1, 2022. You may have options.

[Papa_lecki]

FLA roofing laws changed this week, to benefit the homeowner. Start here

What You Need to Know About Recent Changes to Florida Property Insurance Law Affecting Admitted and Surplus Lines Insurers | Butler Weihmuller Katz Craig LLP - JDSupra (https://www.jdsupra.com/legalnews/what-you-need-to-know-about-recent-3133890/)

prohibits carriers from refusing to insure a home with a roof that is less than 15 years old solely because of the age of the roof. If the roof is at least 15 years old, and the carrier requires the replacement of the roof to issue or renew the policy, the homeowner can have a roof inspection paid for by the homeowner. The insurer is prohibited from refusing to issue a policy solely because of the age of the roof if the inspector determines that the roof has 5 or more years of useful life left.

[Topspinmo]

Check out the new Florida law July 1, 2022. You may have options.


Nope they don’t have to renew policy when contract up.

[Topspinmo]

FLA roofing laws changed this week, to benefit the homeowner. Start here

What You Need to Know About Recent Changes to Florida Property Insurance Law Affecting Admitted and Surplus Lines Insurers | Butler Weihmuller Katz Craig LLP - JDSupra (https://www.jdsupra.com/legalnews/what-you-need-to-know-about-recent-3133890/)

prohibits carriers from refusing to insure a home with a roof that is less than 15 years old solely because of the age of the roof. If the roof is at least 15 years old, and the carrier requires the replacement of the roof to issue or renew the policy, the homeowner can have a roof inspection paid for by the homeowner. The insurer is prohibited from refusing to issue a policy solely because of the age of the roof if the inspector determines that the roof has 5 or more years of useful life left.

Then they just raise the rate so high you’ll go somewhere else.

[Topspinmo]

////

[pauld315]

FLA roofing laws changed this week, to benefit the homeowner. Start here

What You Need to Know About Recent Changes to Florida Property Insurance Law Affecting Admitted and Surplus Lines Insurers | Butler Weihmuller Katz Craig LLP - JDSupra (https://www.jdsupra.com/legalnews/what-you-need-to-know-about-recent-3133890/)

prohibits carriers from refusing to insure a home with a roof that is less than 15 years old solely because of the age of the roof. If the roof is at least 15 years old, and the carrier requires the replacement of the roof to issue or renew the policy, the homeowner can have a roof inspection paid for by the homeowner. The insurer is prohibited from refusing to issue a policy solely because of the age of the roof if the inspector determines that the roof has 5 or more years of useful life left.

Doesn't say they can't double or triple your premium though

[billethkid]

Many that had a roof replaced had some very important items in common....

the roof was inspected by the insurance company and approved for replacement

the homeowner paid a deductible...

= no fraud!?

[EdFNJ]

Many that had a roof replaced had some very important items in common....

the roof was inspected by the insurance company and approved for replacement

the homeowner paid a deductible...

= no fraud!?Maybe not in FL, but I assume it's the same here. Insurance company "inspectors (aka adjusters)" are often 3rd party companies who are clearly "involved " with contractors. Maybe not here, can't see why not though, but I know this for 100% sure up north as a family member was a "public adjuster." He mostly dealt with fires but other things as well. VERY lucrative business. That being said, if one ever has a fire or other extensive damage ALWAYS hire a "public adjustior" as they work "between" the homeowner and the insurance company. Don't rely on who the insurance company sends.

Don't even know if public adjusters even exist in FL but can't see why not.

[champion6]

Very much to scub——s who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old. What comes around goes around. So, I hope you proud is yourselves for committing fraud.AAA is a broker for underwriters -- the insurance companies. Which insurance company cancelled your homeowners insurance?

I'm asking for clarification because I went through AAA to get homeowners insurance in 2011 for our new house. It was/is with ASI which is now Progressive. My roof is the original.

My renewal arrived yesterday and my premium increased 49%.

Needless to say, I'm starting to shop around for a better premium for the same coverage.

[Michael G.]

if one ever has a fire or other extensive damage ALWAYS hire a "public adjustior" as they work "between" the homeowner and the insurance company. Don't rely on who the insurance company sends.



This Good advice I'm sure but who remembers all this when the time comes??

[EdFNJ]

This Good advice I'm sure but who remembers all this when the time comes??
Well, up north you didn't need to remember. The public adjusters lived next to their police/fire scanners 24/7 and when there was a fire literally within minutes there would be a bunch of them in line waiting for you to sign on the dotted line. We had a partial roof collapse in our home after 3 snow storms in a row many years ago. Within less than an hour after calling 911 we had 3 adjusters at our door. Sent them away because it was my 2nd cousin who did that for a living and they all knew each other.

I guess they do exist in FL. LINK: Public Adjuster Near Me | Certified Public Adjuster | Find a Public Adjuster (https://www.alphapia.com/claims/)

[Topspinmo]

Many that had a roof replaced had some very important items in common....

the roof was inspected by the insurance company and approved for replacement

the homeowner paid a deductible...

= no fraud!?

You’re opinion just like mine.

[Topspinmo]

AAA is a broker for underwriters -- the insurance companies. Which insurance company cancelled your homeowners insurance?

I'm asking for clarification because I went through AAA to get homeowners insurance in 2011 for our new house. It was/is with ASI which is now Progressive. My roof is the original.

My renewal arrived yesterday and my premium increased 49%.

Needless to say, I'm starting to shop around for a better premium for the same coverage.


The whole bundle (car, golf cart, scooter, and homeowners will not be renewed, they didn’t cancel, just won’t renew. That’s how they get around the lobbyist written new law IMO. If the gave you quote evidently you’re meets the year limit? IMO for use that have 10 year or older roofs either have to pay to replace them or face the double, triple, or quadruple premium increases to even get insurance.

I looked on my policy, all it says is south insurance agency.

Let me know it find better insurance cause after I get my roof replaced I will be shopping around also.

[Worldseries27]

this good advice i'm sure but who remembers all this when the time comes??
i screenshot all the good advice and place it in an album on my dumb phone

[Vikingjunior]

So let's see should I pay $15,000 out of pocket for a new roof or maybe have a inspector come out and see if their is any weather damage. Let me think about this one. Mmmmmmmmm yeah I think I would like to possibly keep my $15,000 and have a inspector take a look.

What's that Mr. Inspector? There is water damage and I qualify for a new roof because I paid into the insurance company for 15 years. Well that's great, when can they get started on my new roof? Next week you say, that will be fantastic, thank you for my new roof.

Also to the OP there is a saying if you can't beat them join them. Nobody cares about your moral high ground that's going to end up costing you lots of money but hey you still got your morals.

Oh by the way the insurance companies are recording record profits probably because they have no morals either. See you can't fight people with no morals with your morals you not going to win financially. These are the times we live in try to keep up.

[geobar]

Call your Broker and ask them to have your roof inspected to see if it can be certified that it will hold up for a minimum of 5 years. If so they cannot cancel you. Effectively (7 days ago) on July 1st Florida passed this law for all Insurance companies who still write in the state.
If your Broker is Descent they should advise you of this new law.


Very much to scub——s Who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old . What comes around goes around. So, I hope you proud is yourselves for committing fraud.

[bjp1673]

Then they just raise the rate so high you’ll go somewhere else.

Yes, they just raised our over $600.00.

[Caymus]

Would metal roofs improve this issue?

[Bertram00]

Yes, they just raised our over $600.00.

Let's see, $600/yr rate increase or $xxxxx.xx new roof not yet needed? Hmmm, which is the one to choose?

[mrf0151]

AAA is a broker for underwriters -- the insurance companies. Which insurance company cancelled your homeowners insurance?

I'm asking for clarification because I went through AAA to get homeowners insurance in 2011 for our new house. It was/is with ASI which is now Progressive. My roof is the original.

My renewal arrived yesterday and my premium increased 49%.

Needless to say, I'm starting to shop around for a better premium for the same coverage.

Be very careful if you do shop in that a new policy will probably not have Sinkhole Coverage.

[Chi-Town]

Very much to scub——s Who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old . What comes around goes around. So, I hope you proud is yourselves for committing fraud.

Were you referring to scubadivers committing fraud? How did they do that?

[Wyseguy]

With carriers not writing for properties with a roof over ten years old, I can see this leading to people installing cheaper, lower quality roofs. Why install a roof with a 20 or 30 year warranty when you will need to replace it in 10 ?
What about slate or tile roofs? I wonder if they will follow the same policy.

[Bill14564]

So let's see should I pay $15,000 out of pocket for a new roof or maybe have a inspector come out and see if their is any weather damage. Let me think about this one. Mmmmmmmmm yeah I think I would like to possibly keep my $15,000 and have a inspector take a look.

What's that Mr. Inspector? There is water damage and I qualify for a new roof because I paid into the insurance company for 15 years. Well that's great, when can they get started on my new roof? Next week you say, that will be fantastic, thank you for my new roof.

Also to the OP there is a saying if you can't beat them join them. Nobody cares about your moral high ground that's going to end up costing you lots of money but hey you still got your morals.

Oh by the way the insurance companies are recording record profits probably because they have no morals either. See you can't fight people with no morals with your morals you not going to win financially. These are the times we live in try to keep up.

After all, it's only fraud if you get caught.

[Wyseguy]

One of my clients pays close to 1m on insurance. No claims filed in 10 years that they have been a client.
Each year their agent starts sending me the panic articles. These usually report how rates for your property, wind, maybe flood can be increasing 60% or more. When he gets the quote (increasingly less than one week before the existing policy expires) and it has a 30% increase. As you may expect he brags about what a great job he did.
Last year he came and spoke before five of my clients (their B.O.D.) and started to blame lawsuits and legal costs for much of the increase. On the surface, this makes sense. I asked him what percentage of lawsuits did the carrier lose. How many denials did they issue which were then overturned. The answer was over 50%.
This is only one of many reasons insurance rates are going crazy. The policy that providers follow concerning providing a rate to an agent is another pet peave for another time.

[lsauls7537]

FLA roofing laws changed this week, to benefit the homeowner. Start here

What You Need to Know About Recent Changes to Florida Property Insurance Law Affecting Admitted and Surplus Lines Insurers | Butler Weihmuller Katz Craig LLP - JDSupra (https://www.jdsupra.com/legalnews/what-you-need-to-know-about-recent-3133890/)

prohibits carriers from refusing to insure a home with a roof that is less than 15 years old solely because of the age of the roof. If the roof is at least 15 years old, and the carrier requires the replacement of the roof to issue or renew the policy, the homeowner can have a roof inspection paid for by the homeowner. The insurer is prohibited from refusing to issue a policy solely because of the age of the roof if the inspector determines that the roof has 5 or more years of useful life left.

For a roof inspection, call McGarry and Madsen Inspection 352 283 1385. Both contractors. It will be the best $105 you've spent! I had new roof and STILL had to have inspection. They are thorough, lots of pics, will send to your insurer.

[Holpat39]

Not all of us committed fraud who had roofs replaced in 2020. We had major winds in
February that year that caused pulled up and destroyed shingles on many homes.

[Topspinmo]

Call your Broker and ask them to have your roof inspected to see if it can be certified that it will hold up for a minimum of 5 years. If so they cannot cancel you. Effectively (7 days ago) on July 1st Florida passed this law for all Insurance companies who still write in the state.
If your Broker is Descent they should advise you of this new law.

Again, they are not canceling, the underwriter will not renew policy. There now law requiring them to renew a policy nor is there law they can’t raise rate 4 fold. You go elsewhere or pay. In my case I have to first get new roof that’s just old and has no damage. I was one out of 79 in 89 villa that has no damage 90% of the roofs looked same as Mine or better.

[Topspinmo]

Not all of us committed fraud who had roofs replaced in 2020. We had major winds in
February that year that caused pulled up and destroyed shingles on many homes.


Yes I agree some hail or wind damage, but not 90% with 65 MPH wind and pea size hail or smaller. You could of been in isolated area that got worse weather. If you insurance said it was bad then good for you. It the one’s that turned over their insurance rights knowing roof wasn’t bad, but just old or stained. Bottom line they will still be responsible for the roof in insurance don’t pay or didn’t pay enough.

[DaleDivine]

Would metal roofs improve this issue?

I'm pretty sure the metal roofs that are guaranteed for 40 or 50 years fall under the same category of having to be replaced after about 15 years. Same with slate and tile.
And those people with solar panels will have to pay around $5000 to have them removed for new roof to go on. Thennnn, have to pay the same to have the panels reinstalled.
:(:(:(

[Topspinmo]

Would metal roofs improve this issue?
Yes, the will out last you and take hail size of racket balls. But. Only the developers are allowed to have metal roofs on there commercial properties. The districts and residents have to asphalt and guess who pays for replacements? residents.

[taruffi57]

Very much to scub——s Who got all the free roofs replaced. AAA now canceling my bundle cause my roof over 10 years old . What comes around goes around. So, I hope you proud of yourselves for committing fraud.

Find another insuror. There are plenty of them. NOTE: 30 architectural shingles will last 30 years --yes, in Florida. 25 year 3-tabs will last 25 years -- yes, in Florida.
I have 42 yrs. in roofing in Florida. (recently retired)

[Topspinmo]

Find another insuror. There are plenty of them. NOTE: 30 architectural shingles will last 30 years --yes, in Florida. 25 year 3-tabs will last 25 years -- yes, in Florida.
I have 42 yrs. in roofing in Florida. (recently retired)

Just going to replace roof that why when I sell couple years won’t be problem. IMO No shingles will be on roof around here after 15 years. The insurance rate will be so high it will be cheaper to just replace roof or can get insurer to insure old roof by there standards IMO.

[Topspinmo]

Let's see, $600/yr rate increase or $xxxxx.xx new roof not yet needed? Hmmm, which is the one to choose?

It will be needed it you can’t get nobody to insure it and If they do, it will be grossly higher.

[Wyseguy]

In some cases it may make sense to go with Citizens, the state insurer of last resort. While they may charge more, and offer less, they have restrictions, ceilings on how much they can increase a policy from one year to the next.

[kkingston57]

Maybe not in FL, but I assume it's the same here. Insurance company "inspectors (aka adjusters)" are often 3rd party companies who are clearly "involved " with contractors. Maybe not here, can't see why not though, but I know this for 100% sure up north as a family member was a "public adjuster." He mostly dealt with fires but other things as well. VERY lucrative business. That being said, if one ever has a fire or other extensive damage ALWAYS hire a "public adjustior" as they work "between" the homeowner and the insurance company. Don't rely on who the insurance company sends.

Don't even know if public adjusters even exist in FL but can't see why not.

I was in the insurance business, in Florida for 40 years. Worked directly for a company and as an indepent mostly in S. Florida. As an independent our clients(insurance companies) would not even allow us to refer homeowners to any contractor.

If you have a fire in S. Florida a homeowner will be inundated by public adjusters. They monitor police and/or fire department commujincations and have been known to show up at a fire before the fire is put out. They are very prevalent in S. Florida and are a big reason that people in TV are losing their insurance and/or getting significant premium increases. We were getting claims in the millions for damages allegedly caused by Hurricane Irma and the wind speeds in that area were 45MPH. Making claims for million dollar roofs and 2 years after the storm, there was not one single water leak into the building.