State Farm Insurance, D**m Them!

[PompeyKing]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

[JohnN]

I use Progressive with a 2012 roof. They raised my rates over the years, but still somewhat reasonable considering the way insurance works these days. I'm curious, what about your 2015 roof wasn't up to the 2020 code? 2015 is still a pretty new roof.

[RMore49]

I recently moved everything to SF. My house was built in 2016.

[CoachKandSportsguy]

Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020.

https://www.floridabuilding.org/fbc/thecode/2020_7edition/Roofing_Fact_Sheet-2_column_format052820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck

[Altavia]

I'd be tempted to upgrade the roof to mitigate the risk of having water damages and dealing with the aftermath.

The value of the home will increase also.

[GpaVader]

We have a newer home, started with Allstate, had them back home and suddenly all my rates jumped. Moved to SF and no surprises yet...The only other trick to watch is understanding when you switch if you are getting the low introductory rate and when that ends and what that means...

[Byte1]

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

[JGibson]

Progressive is dropping folks like a bad habit.

[Topspinmo]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?


Don’t you know insurance is legalized racketeering :duck:

[Topspinmo]

I'd be tempted to upgrade the roof to mitigate the risk of having water damages and dealing with the aftermath.

The value of the home will increase also.

I been tempted to change air in my tires, well cause it old:throwtomatoes:

[Gatorfan1]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

352-245-2423. Abshier InsuranceAgency. We can take care of your insurance. Sharon, agent

[Topspinmo]

https://www.floridabuilding.org/fbc/thecode/2020_7edition/Roofing_Fact_Sheet-2_column_format052820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck

No it’s insurance :what:

[Gatorfan1]

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.
Yes

[Spartan86]

Sorry for that. I commented elsewhere that I called SF for a quote and they would not write new insurance on my 2019 home. They indicated had I been insured with them for car coverage as of 1/1/2024 they potentially would have..

[PompeyKing]

I use Progressive with a 2012 roof. They raised my rates over the years, but still somewhat reasonable considering the way insurance works these days. I'm curious, what about your 2015 roof wasn't up to the 2020 code? 2015 is still a pretty new roof.

This is what I was emailed from my State Farm agent: Peel and stick applied directly to the entire roof deck or applied to all joints and seams of the roof deck. To comply with 2020 Florida building code

Two roofing companies said that they would have to remove the shingles in order to comply, thus a new roof!!

[charlieo1126@gmail.com]

I just renewed with State Farm car and home, home is 10 years old same roof, my home went up $123 , I guess with insurance these days it’s just the luck of the draw

[PompeyKing]

I did too. I was told that the cut off was 4/1/2024. I'd be interested in if you also receive a cancellation notice.

[Dusty_Star]

https://www.floridabuilding.org/fbc/thecode/2020_7edition/Roofing_Fact_Sheet-2_column_format052820Final.pdf

Here are the changes for which your home probably doesn't comply.

It would be nice if Florida gave us a heads up about these changes, for example if the Final 2020 is going to be updated to a Final 2026, then getting a new roof (if it can be delayed) in 2024 will cause similar problems down the road.

I was looking around & it seems like the Florida Building Code is updated every three years. But who knows if major roof updates will be included?

[CoachKandSportsguy]

It would be nice if Florida gave us a heads up about these changes, for example if the Final 2020 is going to be updated to a Final 2026, then getting a new roof (if it can be delayed) in 2024 will cause similar problems down the road.

I was looking around & it seems like the Florida Building Code is updated every three years. But who knows if major roof updates will be included?

you probably need to hang out in a general contractor's office and find out what he uses for code updates. They are published in places where the commercial professionals always go, wherever that is.

[Shipping up to Boston]

https://www.floridabuilding.org/fbc/thecode/2020_7edition/Roofing_Fact_Sheet-2_column_format052820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck

SG....Wouldnt you agree its much more fluid and volatile in FL than back home? I know it's all relative but I've seen nothing out of the ordinary up north. Other than normal cookie cutter increases

[CoachKandSportsguy]

SG....Wouldnt you agree its much more fluid and volatile in FL than back home? I know it's all relative but I've seen nothing out of the ordinary up north. Other than normal cookie cutter increases

Yes, agree, but NE is not a high risk environment for
hurricanes, twisters, tornadoes, cyclones, hail, hailstones, floods, standing water, rushing water, straight line winds, micro bursts, forest fires, brush fires, and any other high risk weather events not included in this legal department's list. :22yikes: :cold:

[blueash]

Help me out. If SF sold you a one year homeowner's policy in April, accepted payment and issued the policy... How can they a few weeks later cancel it. Isn't a contract binding on both parties? Is there some fine print allowing the insurance company to back out for any reason they like?

SF certainly knew the age of your home when they issued the policy. They certainly had the opportunity to ask or even did ask the age of the roof. They agreed to cover your home. IANAL, I need somebody to explain this.

I would understand if they said that based on the age of your roof they will not renew your policy, but I don't understand how they can just cancel if you didn't lie about anything.

[Shipping up to Boston]

Yes, agree, but NE is not a high risk environment for
hurricanes, twisters, tornadoes, cyclones, hail, hailstones, floods, standing water, rushing water, straight line winds, micro bursts, forest fires, brush fires, and any other high risk weather events not included in this legal department's list. :22yikes: :cold:

Ahhh yes....paradise defined! ;)

[Shipping up to Boston]

Help me out. If SF sold you a one year homeowner's policy in April, accepted payment and issued the policy... How can they a few weeks later cancel it. Isn't a contract binding on both parties? Is there some fine print allowing the insurance company to back out for any reason they like?

SF certainly knew the age of your home when they issued the policy. They certainly had the opportunity to ask or even did ask the age of the roof. They agreed to cover your home. IANAL, I need somebody to explain this.

I would understand if they said that based on the age of your roof they will not renew your policy, but I don't understand how they can just cancel if you didn't lie about anything.

Agree....some key detail is missing from OP post

[Byte1]

Yes

My Farmer's agent is still here and they renewed me for the year. Apparently, they must give you notice that they won't be renewing and I guess they were forced to renew me until the end of the new term. Won't be the first or last agency to drop me since I have been here. I did get a refund when one company went chapter 11 AFTER they accepted my payment for the year.

[PompeyKing]

I have been told that an Insurance Company has 60 days from the date that you get the policy to cancel your coverage with or without any reaseon.

[bopat]

I'm surprised how expensive new roofs are here in TV. Like 2x-3x what we're used to from up north.

[OrangeBlossomBaby]

I have been told that an Insurance Company has 60 days from the date that you get the policy to cancel your coverage with or without any reaseon.

You were told incorrectly.

They can cancel the policy they issued, with certain restrictions.

They have to give you at least a 30-day notice in most states. Some states require longer. No idea about Florida for notice time.

They can only cancel it for reasons specified by the contract. SOME reasons are as follows:

Intentional damage to a covered asset by the insured, policyholder, or interested third-party
Criminal record
Insured poses a "moral risk"
Life changes
Too many missed payments
Too many claims
Significant changes in risk.

They can't cancel it for "no reason" or even for "any" reason.

[kkingston57]

This is what I was emailed from my State Farm agent: Peel and stick applied directly to the entire roof deck or applied to all joints and seams of the roof deck. To comply with 2020 Florida building code

Two roofing companies said that they would have to remove the shingles in order to comply, thus a new roof!!

Was in the adjusting business. Peal and stick is probably one of the worst roofs you can have. Was from S. Florida and this was not up to code YEARS before. Might check to see if your roofer installed a non code compliant roof and if still in business you might look to see if you have a legal case against the roofing company.

[JRcorvette]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

As a retired property adjuster all I can say is that I hate State Farm Insurance and would never purchase from them. :ho:

[Shipping up to Boston]

As a retired property adjuster all I can say is that I hate State Farm Insurance and would never purchase from them. :ho:

Hopefully Patrick Mahomes isn’t reading this! ;)

[Gatorfan1]

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

Yes,you will be non renewed at renewal

[tophcfa]

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

They are getting totally out of the state of Florida. By law they have to give a 90 day non-renewal notice to cancel policies. Our policy renewed 12/1/23 and they didn’t get the notices out until November so they had to renew us for another year, but they won’t renew us again this 12/1. We put on a new roof in February and will be shopping for new insurance this fall. Not something I’m looking forward to given the dysfunctional state of the homeowners insurance market in Florida.

[banjobob]

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

Yes Farmers left the state because the high risk factor of weather , you will get a cancelation notification when your policy is up for renewal.

[RICH1]

What NO MORE FREE ROOFS.... and you all thought that wasn't going to catch up
with you! Nobody to blame but yourselves...High Crime, High Insurance rates & High Taxes....welcome to Florida

[arbajeda]

Before you give up on State Farm, check out the alternatives. Many of the new companies writing in Florida only write in Florida and IMO are only a hurricane away from insolvency. They run out of money to pay claims and file Chapter 11, leaving policyholders with bupkis. Progressive non-renewed us and we moved to State Farm, understanding that the rates in subsequent years will likely be going up (has insurance ever gone down?). Check out the stability of the company before you pay the premium. Here is a source to use for research: AM Best (https://web.ambest.com/home)

[seecapecod]

I use Progressive with a 2012 roof. They raised my rates over the years, but still somewhat reasonable considering the way insurance works these days. I'm curious, what about your 2015 roof wasn't up to the 2020 code? 2015 is still a pretty new roof.

Interesting- I have Progressive for Auto and Cart- they would not ensure my 2011 built home bought in 2022, due to the age of the roof “being more than 10 years old”

[Dlbonivich]

My mother just paid $20k for a roof in PA. Just an average size roof. 1 piece of plywood needed replaced. I think prices have gone up everywhere

[Singerlady]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?
If you decide to get a new roof, be sure they will still insure you. A friend did just the same and then the insurance company said they would not insure him because now if something happened, it’d be too expensive. (Not State Farm)

[Altavia]

Does anyone offer policies excluded roof replacement ( you self insure?)

[Spartan86]

I researched this a bit the other day when SF said no-go on my 2019 home. This is a big section of the 2020 revision. It details different ways a builder may comply with the new underlayment requirements. Most (Villages) I believe are using self adhesive types, which are mentioned first. The similar language/section in the 2017 code is much less descriptive but does also detail underlayment:

1507.1.1.1 Underlayment for asphalt, metal, mineral surfaced, slate and slate-type roof coverings.
Underlayment for asphalt shingles, metal roof shingles, mineral surfaced roll roofing, slate and slate-type shingles, and metal roof panels shall comply with one of the following methods:

1.The entire roof deck shall be covered with an approved self-adhering polymer modified bitumen underlayment complying with ASTM D1970 installed in accordance with both the underlayment manufacturer’s and roof covering manufacturer’s installation instructions for the deck material, roof ventilation configuration and climate exposure for the roof covering to be installed.

Exception: An existing self-adhering modified bitumen underlayment that has been previously installed over the roof decking and, where it is required, renailing off the roof sheathing in accordance with Section 706.7.1 of the Florida Building Code, Existing Building can be confirmed or verified. An approved underlayment in accordance with Table 1507.1.1.1 for the applicable roof covering shall be applied over the entire roof over the existing self-adhered modified bitumen underlayment.

2. A minimum 4-inch-wide (102 mm) strip of selfadhering polymer-modified bitumen membrane complying with ASTM D1970, installed in accordance with the manufacturer’s instructions for the deck material, shall be applied over all joints in the roof decking. An approved underlayment in accordance with Table 1507.1.1.1 for the applicable roof covering shall be applied over the entire roof over the 4-inch-wide (102 mm) membrane strips.

Exception: A synthetic underlayment that is approved as an alternative to underlayment complying with ASTM D226 Type II and having a minimum tear strength of 15 lbf in accordance with ASTM D4533 and a minimum tensile strength of 20 lbf/inch in accordance with ASTM D5035 shall be permitted to be applied over the entire roof over the 4-inchwide (102 mm) membrane strips. This underlayment shall be installed and attached in accordance with the underlayment attachment methods of Table 1507.1.1.1 for the applicable roof covering and slope and the underlayment manufacturer’s installation instructions.

3. A minimum 33/4-inch-wide (96 mm) strip of selfadhering flexible flashing tape complying with AAMA 711, Level 3 [for exposure up to 176°F (80°C)], installed in accordance with the manufacturer’s instructions for the deck material, shall be applied over all joints in the roof decking. An approved underlayment in accordance with Table 1507.1.1.1 for the applicable roof covering shall be applied over the entire roof over the 4-inchwide (102 mm) flashing strips.

Exception: A synthetic underlayment that is approved as an alternative to underlayment complying with ASTM D226 Type II and having a minimum tear strength of 15 lbf in accordance with ASTM D4533 and a minimum tensile strength of 20 lbf/inch in accordance with ASTM D5035 shall be permitted to be applied over the entire roof over the 4-inchwide (102 mm) membrane strips. This underlayment shall be installed and attached in accordance with the underlayment attachment methods of Table 1507.1.1.1 for the applicable roof covering and slope and the underlayment manufacturer’s installation instructions.

4.Two layers of ASTM D226 Type II or ASTM D4869 Type III or Type IV underlayment shall be installed as follows: Apply a 19-inch (483 mm) strip of underlayment felt parallel to and starting at the eaves, fastened sufficiently to hold in place. Starting at the eave, apply 36-inch-wide (914 mm) sheets of underlayment, overlapping successive sheets 19 inches (483 mm); end laps shall be 6 inches (152 mm) and shall be offset by 6 feet (1829 mm). The underlayment shall be attached to a nailable deck with corrosion-resistant fasteners with one row centered in the field of the sheet with a maximum fastener spacing of 12 inches (305 mm) o.c., and one row at the end and side laps fastened 6 inches (152 mm) o.c. Underlayment shall be attached using annular ring or deformed shank nails with metal or plastic caps with a nominal cap diameter of not less than 1 inch (25.4 mm). Metal caps are required where the ultimate design wind speed, Vult, equals or exceeds 170 mph. Metal caps shall have a thickness of not less than 32-gage sheet metal. Powerdriven metal caps shall have a minimum thickness of 0.010 inch (0.254 mm). The minimum thickness of the outside edge of plastic caps shall be 0.035 inch (0.889 mm). The cap nail shank shall be not less than 0.083 inch (2.1082 mm) for ring shank cap nails. The cap nail shank shall have a length sufficient to penetrate through the roof sheathing or not less than 3/4 inch (19.05 mm) into the roof sheathing.

5.Two layers of a synthetic underlayment that has a product approval as an alternative to underlayment complying with ASTM D226 Type II shall be permitted to be used. Synthetic underlayment shall have a minimum tear strength of 15 lbf in accordance with ASTM D4533, shall have a minimum tensile strength of 20 lbf/inch in accordance with ASTM D5035 and shall meet the liquid water transmission test of Section 8.6 of ASTM D4869. Synthetic underlayment shall be installed as follows: Apply a strip of synthetic underlayment that is half the width of a full sheet parallel to and starting at the eaves, fastened sufficiently to hold in place. Starting at the eave, apply full sheets of reinforced synthetic underlayment, overlapping successive sheets half the width of a full sheet plus the width of the manufacturer’s single-ply overlap. End laps shall be 6 inches (152 mm) and shall be offset by 6 feet (1829 mm). Synthetic underlayment shall be attached to a nailable deck with corrosion-resistant fasteners with a maximum fastener spacing measured horizontally and vertically of 12 inches (305 mm) o.c. between side laps, and one row at the end and side laps fastened 6 inches (152 mm) o.c. Synthetic underlayment shall be attached using annular ring or deformed shank nails with metal or plastic caps with a nominal cap diameter of not less than 1 inch (25.4 mm). Metal caps are required where the ultimate design wind speed, Vult, equals or exceeds 170 mph. Metal caps shall have a thickness of not less than 32-gage sheet metal. Power-driven metal caps shall have a minimum thickness of 0.010 inch (0.254 mm). The minimum thickness of the outside edge of plastic caps shall be 0.035 inch (0.889 mm). The cap nail shank shall be not less than 0.083 inch (2.1082 mm) for ring shank cap nails. The cap nail shank shall have a length sufficient to penetrate through the roof sheathing or not less than 3/4 inch (19.05 mm) into the roof sheathing.

[capecoralbill]

Are claims being honored in Fort Myers after Hurricane Ian. I wonder which companies are the easiest to deal with.
I'm asking you this because if it takes them five years to settle a claim and I'm 80 years old, why even bother with homeowners insurance. I'm assuming I'm going to die when I'm 86..

[JohnnyT]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?
Any Insurance company that picks and chooses who they want to cover or leaves the state should be put out of business. Our Governor signed a bill last year that protected home owners from insurance companies in regards to roofs but failed to limit the premium increases companies can charge.

[Redsmom]

Progressive is dropping folks like a bad habit.
I’m shocked to hear that. We just signed up with Progressive for our homeowners insurance two months ago.

[Dantes]

Most people keep their bad habits, lol

[frostola]

After being dropped by Progressive I was told by SF we needed a new roof on our 10 year old home. I called back to get more details about the roof and then was told they were not taking on new homeowners.

[RRGuyNJ]

I'd be tempted to upgrade the roof to mitigate the risk of having water damages and dealing with the aftermath.

The value of the home will increase also.

I just read on here the other day somone replaced the roof to avoid being canceled or getting higher rates for insurance. After the replacement, the insurance company raised the rates anyway due to the home value increasing due to the new roof. Homeowner loses every way possible when it comes to rates. The insurance companies need thier wings clipped!

[Cliff Fr]

https://www.floridabuilding.org/fbc/thecode/2020_7edition/Roofing_Fact_Sheet-2_column_format052820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck
Very informative attachment. Thanks

[Cliff Fr]

As has been noted before, Florida has the highest number of insurance claim lawsuits in the nation.

[Shipping up to Boston]

As has been noted before, Florida has the highest number of insurance claim lawsuits in the nation.

Correct. Some wont admit it but this (FL) is one of the most litigious populations in the nation. While the Gov did some work on 'roofs', it didn't go far enough. While they do some due diligence...as a regulator, theyre limited. That...and I believe 3.9M in contributions from the 'industry' during last reelection....hes compromised. The weather and lawsuits will ultimately make competition anemic here. It will be a battle between the ultra premium paying haves....and the ever growing, going rogue (uninsured) have nots! IMO

[Cliff Fr]

Correct. Some wont admit it but this (FL) is one of the most litigious populations in the nation. While the Gov did some work on 'roofs', it didn't go far enough. While they do some due diligence...as a regulator, theyre limited. That...and I believe 3.9M in contributions from the 'industry' during last reelection....hes compromised. The weather and lawsuits will ultimately make competition anemic here. It will be a battle between the ultra premium paying haves....and the ever growing, going rogue (uninsured) have nots! IMO
It's a mess that's for sure

[charlieo1126@gmail.com]

Why do people keep on using the roofs claims as the main reason for our insurance cost . The 3 highest states for property claims are California , Texas and Florida ,they are also the 3 states with the most natural disasters . There is nothing that’s ever going to change that fact and as we warm up .it’s going to get worse .You can whine all you want about insurance but people are still moving here because it’s still cheaper then many of the places people are coming from , one example is ,did you come from a state with state taxes if you did compare that to your higher insurance rates and see what you actually save and how about us New England people , what’s your savings on heating compared to the uptick in your insurance? I am not as concerned about the uptick in insurance as I am in getting it ,, but as we get hit with more natural disasters I’m sure they’ll be a fix found because if not the state will just be left with gators and the love bugs and that’s not going to happen

[Priebehouse]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

I requested a quote from them and they told me my home (built in 2000) was too old for them to insure. Jake, from State Farm, must have needed a raise. 3 year old roof and a new water heater did not make a difference. Too bad for them.

[VApeople]

I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

Nope, not us.

We had a new house, a Laurel Oak, built here in 2016 and we have State Farm Insurance. We have had no problems and our insurance premiums have increased very little.

[Aloha]

Probably not wise to trust State Farm, especially if you need to file a claim. Their attorneys and so-called adjusters will fight you for every dollar.

[Salty Dog]

Strange that my manufactured home that was built in 1987 with a 17 year old asphalt shingle roof is still being renewed with no mention of the roofs age. Granted my yearly insurance is a thousand more than I was paying on a home that was worth twice as much 3 years ago.

[Shipping up to Boston]

Strange that my manufactured home that was built in 1987 with a 17 year old asphalt shingle roof is still being renewed with no mention of the roofs age. Granted my yearly insurance is a thousand more than I was paying on a home that was worth twice as much 3 years ago.

Are you in Historic District?
‘87...sounds like you may have one of Mr. Schwartz old places! ;)

[nn0wheremann]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?
State Farm tried to pressure me into signing up quick earlier this month. They changed, and now they don’t write home policies any more. My roof was replaced in 2023. I bought a policy from Tower Hill Insurance Exchange, a Gainesville based company, highly rated by BBB. I had quotes from two different agencies and settled with an Allstate agent in Hollywood Florida. They saved cost by eliminating the “other structures” part of the HO3 policy. You cannot have an “other structure” on your lot in The Villages.

[laryb]

Our home was built in 2010, and still has the original roof. We switched to State Farm this past April 1st and also bundled our vehicles. The Homeowners rate was $750 less than our previous insurer, and the cars were $100 more (for 6 months). Sure hope we don't get a cancellation notice

[Gatorfan1]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?


https://www.floridabuilding.org/fbc/thecode/2020_7edition/Analysis-of-Changes-7th-Ed_Energy_Final.pdf

[villager7591]

Progressive, and the company they own, ASI, are not accepting ANY NEW CUSTOMERS, for homeowners.