Home insurance denied

[ithos]

AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes (https://www.abcactionnews.com/news/price-of-paradise/florida-insurance-companies-add-new-requirements-to-avoid-insuring-older-homes)

[villagetinker]

I would call AAA and point out the new FL law and get specific information from them. They may respond with a rate increase that you will not be willing to pay. You can contact Seniors Against Crime and see if they have any pull in this matter. I know that some insurance companies are eliminating customers in FL to lower exposure to possible losses. I also know 2 neighbors with houses slightly newer than ours with the same Progressive Insurance that were not renewed, while we were.

[Stu from NYC]

Blame it on the roof scam

[jrref]

I would call AAA and point out the new FL law and get specific information from them. They may respond with a rate increase that you will not be willing to pay. You can contact Seniors Against Crime and see if they have any pull in this matter. I know that some insurance companies are eliminating customers in FL to lower exposure to possible losses. I also know 2 neighbors with houses slightly newer than ours with the same Progressive Insurance that were not renewed, while we were.

I was also renewed by Progressive with a very small increase. 2017 home here in the Villages. I wonder how they decide?

[asianthree]

I thought AAA was slowly leaving the HO insurance in Florida

[Pairadocs]

Blame it on the roof scam

That's for sure ! Those "something for nothing people" really showed the rest of us didn't they. Our family in S.S. area made FUN of us for not claiming our "free" roof as they did, but when they got their new, free, roof, they also got quite a jolt when their premium went up like a Falcon 9 after the new roof went on ! Why ? Explanation was NOT the claim....LOL... but the fact the NEW ROOF was worth so many thousands more than the old roof ! Moral is: Don't think you can out smart an insurance company, OR, file a bogus claim for some "creasing or curling", and get away with it in the end. ALL of Florida is going to be paying for those "free" roofs that popped up like mushrooms in The Villages. Freedom is NOT "free", and neither are new ROOFS !

[Pairadocs]

AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes (https://www.abcactionnews.com/news/price-of-paradise/florida-insurance-companies-add-new-requirements-to-avoid-insuring-older-homes)

My "guess", probably not worth much, is they CAN refuse anyone regardless of "laws". Again, just guessing, but I would think the government would have to take over the private insurance sector (something like socialized medicine) to be able to dictate who can not be refused ! ?

[Stu from NYC]

That's for sure ! Those "something for nothing people" really showed the rest of us didn't they. Our family in S.S. area made FUN of us for not claiming our "free" roof as they did, but when they got their new, free, roof, they also got quite a jolt when their premium went up like a Falcon 9 after the new roof went on ! Why ? Explanation was NOT the claim....LOL... but the fact the NEW ROOF was worth so many thousands more than the old roof ! Moral is: Don't think you can out smart an insurance company, OR, file a bogus claim for some "creasing or curling", and get away with it in the end. ALL of Florida is going to be paying for those "free" roofs that popped up like mushrooms in The Villages. Freedom is NOT "free", and neither are new ROOFS !

As a wise man once said, aint no free lunch

[vintageogauge]

Progressive would not renew ours for no apparent reason other than they are thinning out but one of their sister companies gave us the same coverage for about $100.00 less than we paid Progressive last year.

[Caymus]

Our broker told us just this past week she is prohibited from submitting a request for HO coverage to Progressive if the roof is >=10 years. And we're talking about an OHIO property! This sh!t is out of control.

FWIW, we're Farmers clients for our FL property. Farmers is pulling out of FL and we have to find a new carrier. Slide Insurance bought out Farmers' client policies. Initial research into Slide resulted in an immediate "NO WAY, too many negative BBB reports" response. I have spent literally weeks speaking/emailing with potential brokers/carriers. To make a long story short, we ended up going w Slide. Once I reviewed and compared the policy coverage, the limits, the cost, and really assessed the negative complaints, we decided Slide was the best option. I'm still nervous bc Slide is a startup company but if we have to pay any more for insurance, we'll have to sell our long-sought dream. Why does life have to always be a gamble?

A 10-year-old roof in Ohio?

[Rzepecki]

Blame it on the roof scam

that the insurance companies played on residents.

[waterflower]

Maybe the residents of The Villages will start their own home-owner co-op insurance company. This would illiminate the criminal act of these insurance companies. Stand up humans.

[Hplaw]

I am the property specialist for an Allstate Agency. Allstate is not currently writing property however; we have multiple carriers I may be able to provide a quote from. Please feel free to contact me hrichardson4@allstate.com or 954-437-9220 ext. 308. I’ve helped many people in The Villages secure coverage and save money.

I would never choose Allstate. We had it for 20 plus years and the premiums kept rising (higher than other companies) and we had no claims. My daughter has had Allstate for many years and a leaking dishwasher causing significant damage was denied. A claim covered my any company. We moved to another company and got more and higher coverage, at approximately $400 a year less. :eek:

[Villager24]

AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes (https://www.abcactionnews.com/news/price-of-paradise/florida-insurance-companies-add-new-requirements-to-avoid-insuring-older-homes)
I bought a pre owned home in TV with a 13 year old roof. It was inspected and ok. Had no problem getting reasonable home owners insurance.

[lkagele]

I am the property specialist for an Allstate Agency. Allstate is not currently writing property however; we have multiple carriers I may be able to provide a quote from. Please feel free to contact me hrichardson4@allstate.com or 954-437-9220 ext. 308. I’ve helped many people in The Villages secure coverage and save money.

Not this guy but I wasn't a big fan of my AllState agent. HO rates went up nearly 100% in 2 years. After some condescending responses, I went with another carrier. Only then did my agent try to place me in a more reasonably priced policy. Checked further and the rates I was paying for auto, golf carts and personal umbrella were high as well. Switched everything and am saving over $2,700.

A pretty good rule of thumb; the more they spend on advertising, the less they spend on you.

[Skip]

I bought a pre owned home in TV with a 13 year old roof. It was inspected and ok. Had no problem getting reasonable home owners insurance.

With who?

Skip

[RedChariot]

Progressive would not renew ours for no apparent reason other than they are thinning out but one of their sister companies gave us the same coverage for about $100.00 less than we paid Progressive last year.

Progressive plans on dropping us per their representative. Please share the name of the Progressive sister company that you went with. We are now looking for coverage. Thank You.

[nn0wheremann]

AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes (https://www.abcactionnews.com/news/price-of-paradise/florida-insurance-companies-add-new-requirements-to-avoid-insuring-older-homes)
before they pulled out of Florida, Farmers insured my 20 year old roof. When I replaced the roof they gave me a $500 more or less rebate of premium.

[OrangeBlossomBaby]

We can't get normal homeowners insurance at all because we're in a manufactured home. But we use Allstate for both cars and both golf carts. The premiums for our cars are just about the same as they were up north. Our golf cart insurance is negligible.

Both hubby and I have been Allstate customers since before we even met - my family was with Allstate, so was his, when we were kids.

The only time I didn't have Allstate was when I lived in Boston, and had Nationwide. If I remember right, it was because Nationwide's office was closer and the state regulated premiums so it really didn't matter which agency I chose.

[justjim]

I heard from a friend of a friend who has a manufactured home and was told his friend couldn’t get homeowners insurance at all. Apparently this isn’t true. Of course, you can always self insure. It would seem that it would be very difficult to sell your home if the new owner couldn’t get insurance.

[Gatorfan1]

Progressive plans on dropping us per their representative. Please share the name of the Progressive sister company that you went with. We are now looking for coverage. Thank You.

Tower Hill, Slide, Cabrillo Safe Harbor, Universal NA.and Secutity First have good premiums and they are long time stable companies in Florida.

New companies in Florida will have rate increases as they do business in Florida and experience cost of claims, reinsurance cost, etc. that is why you see large increases on renewal. Some new companies come to Florida and elect to leave quickly when they realize the cost of doing business.

Having an agent that you can sit down with and talk to is a plus. If you get a new roof get a wind mitigation inspection. Also a 4-pt inspection for homes built prior to 2002 will help. Again, find an agent who stays on top of the market, laws and knows how to help you get best premium.

[rjm1cc]

I read my AAA policy a little while ago. It is less than a year old. You should read yours and see what it says. As I recall they can not cancel for just the age of your roof if your roof is under 15 years old. But if it pass an inspection at 15 years you can go for another 5 years with no cancelation. Look for a section on policy cancelations.

[Plinker]

Not this guy but I wasn't a big fan of my AllState agent. HO rates went up nearly 100% in 2 years. After some condescending responses, I went with another carrier. Only then did my agent try to place me in a more reasonably priced policy. Checked further and the rates I was paying for auto, golf carts and personal umbrella were high as well. Switched everything and am saving over $2,700.

A pretty good rule of thumb; the more they spend on advertising, the less they spend on you.

We had Allstate up North for auto coverage. An uninsured motorist hit us and we had to hire an attorney and file a lawsuit against Allstate. A police officer was in front of us and witnessed the accident. It was a personal injury case and we had multiple doctors all arrive at the same diagnosis. Allstate denied there was an injury. The case took 4 years to resolve. Arbitrator found in our favor. They postpone and postpone, hoping you will give up. Moral of the story? Allstate claims you are in good hands. Unfortunately, we only got one finger.

[retiredguy123]

We had Allstate up North for auto coverage. An uninsured motorist hit us and we had to hire an attorney and file a lawsuit against Allstate. A police officer was in front of us and witnessed the accident. It was a personal injury case and we had multiple doctors all arrive at the same diagnosis. Allstate denied there was an injury. The case took 4 years to resolve. Arbitrator found in our favor. They postpone and postpone, hoping you will give up. Moral of the story? Allstate claims you are in good hands. Unfortunately, we only got one finger.
I had Allstate auto insurance for 27 years until they raised my rate by 32 percent. I switched to State Farm and reduced my premium by more than 50 percent. By the way, uninsured motorist insurance is optional in Florida, so I don't buy it.

[OrangeBlossomBaby]

I heard from a friend of a friend who has a manufactured home and was told his friend couldn’t get homeowners insurance at all. Apparently this isn’t true. Of course, you can always self insure. It would seem that it would be very difficult to sell your home if the new owner couldn’t get insurance.

Manufactured homes are insured with mobile home insurance. It's a different type of insurance. They can't be insured with the same kind of insurance that covers a free-standing house.

[Becca9800]

Our broker told us just this past week she is prohibited from submitting a request for HO coverage to Progressive if the roof is >=10 years. And we're talking about an OHIO property!

A 10-year-old roof in Ohio?

Yep. Ask for Pam at McQuire Group in Sylvania, OH.

Look what you Floridians have done to the rest of us! Your roofing scams and hurricane risk is spreading everywhere. I'm kind of kidding. But not really.

[Gatorfan1]

We can't get normal homeowners insurance at all because we're in a manufactured home. But we use Allstate for both cars and both golf carts. The premiums for our cars are just about the same as they were up north. Our golf cart insurance is negligible.

Both hubby and I have been Allstate customers since before we even met - my family was with Allstate, so was his, when we were kids.

The only time I didn't have Allstate was when I lived in Boston, and had Nationwide. If I remember right, it was because Nationwide's office was closer and the state regulated premiums so it really didn't matter which agency I chose.


What year is your manufactured home?

[Caymus]

Our broker told us just this past week she is prohibited from submitting a request for HO coverage to Progressive if the roof is >=10 years. And we're talking about an OHIO property!



Yep. Ask for Pam at McQuire Group in Sylvania, OH.

Look what you Floridians have done to the rest of us! Your roofing scams and hurricane risk is spreading everywhere. I'm kind of kidding. But not really.

90% of the roofs in Ohio are probably 10 years or older. I need to check the stocks of shingle manufacturers.:D

[Jayhawk]

Maybe the residents of The Villages will start their own home-owner co-op insurance company. This would illiminate the criminal act of these insurance companies. Stand up humans.

You have suggested this in at least 3 different threads. How is getting it started going?

[ithos]

If your vehicle gets in a wreck, the insurance company will pay no more than the market value. It will not pay for a brand new vehicle of the same model.

It should be the same with roofs. If it has to be replaced completely then it should be pro rated. Would make insurance much more affordable.

[dguerini]

1yr ago, we moved to TV. Called State Farm to obtain a comparative quote for homeowners and possibly bundle w/auto/golf car. Previous owner had new roof installed in 2020, but State Farm said the installer didn't use the required amount of underlayment to allow them to quote a homeowners policy. Insurance is quite frustrating in FL.

[pauld315]

Blame it on the roof scam

As word spread in TV back around 2018 - 2020 that you could get basically a free roof by using one of these unscrupulous roofers, I warned everybody that they would soon be paying for their neighbor's roof. I saw it happen in NC when I lived there. Unfortunately, it was like a domino effect and now we all pay.

[pauld315]

1yr ago, we moved to TV. Called State Farm to obtain a comparative quote for homeowners and possibly bundle w/auto/golf car. Previous owner had new roof installed in 2020, but State Farm said the installer didn't use the required amount of underlayment to allow them to quote a homeowners policy. Insurance is quite frustrating in FL.

No, the roof was most likely replaced by an unscrupulous contractor who provided a "free" roof to the existing homeowner. It probably never had a permit pulled and therefore there was no inspection of the work.

[jrref]

If your vehicle gets in a wreck, the insurance company will pay no more than the market value. It will not pay for a brand new vehicle of the same model.

It should be the same with roofs. If it has to be replaced completely then it should be pro rated. Would make insurance much more affordable.

For my new renewel, Progressive now has the roof pro-rated as you stated. I had a choice, pay the renewal with a very small increase with the roof pro-rated or pay a huge renewal without the roof pro-rated.

[ithos]

I like that option. Will check it out.

[jrref]

I had progressive and they canceled my policy. Was never offered that option.

Interesting. I wonder why the renew some and not others.

[ithos]

Interesting. I wonder why the renew some and not others.

Maybe there is an insurance agent reading this thread who can enlighten us.

[Blueblaze]

AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes (https://www.abcactionnews.com/news/price-of-paradise/florida-insurance-companies-add-new-requirements-to-avoid-insuring-older-homes)

American Integrity added a rider that completely excluded the 13-year-old, recently inspected roof, the same year they passed the new law, and then doubled my rate. I repeatedly complained to the state insurance commission and never got a response. I switched to Kin.

We've lived here 4 years, and over time we've learned that nearly all of our neighbors got a free roof during the scams that came through 2018-2019 -- which was about the time our previous owner died. It must have been a bonanza for scammers, like nobody's ever seen. It's a wonder anyone can get insurance anymore.

Nobody prosecuted the scammers and now nobody prosecutes the insurance companies. Law is meaningless if nobody enforces it. There's a lesson there.

So who knows if my new insurance company would actually pay a real claim. Why would they? But good news, everybody! They don't enforce the new tort reform law, either, so I can just call Morgan and Morgan when my house burns down (and fork over 50% of the payout)!

[Gatorfan1]

AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes (https://www.abcactionnews.com/news/price-of-paradise/florida-insurance-companies-add-new-requirements-to-avoid-insuring-older-homes)

They gave companies that will write

[Margefrog]

If you are an AARP member thry could refer you an insurance company.

[tophcfa]

My "guess", probably not worth much, is they CAN refuse anyone regardless of "laws" ?

That is correct, they price risk as they see fit to access risk. They can refuse a homeowner because they feel they already have too much non diversified exposure within three blocks of the home should a tornado run through that particular neighborhood. The policy they just wrote for your neighbor could be the last policy they are willing to write within that specific neighborhood, while they would be happy to write a new policy a mile away.

[gorillarick]

As a wise man once said, aint no free lunch
Yeah, somebody can get a free lunch, but someone else will be forced to pay for it. Maybe all of us.

[gorillarick]

If your vehicle gets in a wreck, the insurance company will pay no more than the market value. It will not pay for a brand new vehicle of the same model.

It should be the same with roofs. If it has to be replaced completely then it should be pro rated. Would make insurance much more affordable.
Seems fair, and would save a lot of cancellations and ridiculous premiums.
Why would anyone think they should get a brand new roof for free, or a brand new car?
We're all paying for this selfishness now.

[Salty Dog]

We can't get normal homeowners insurance at all because we're in a manufactured home.

I have a manufactured home and it's been insured with Foremost since 2021. They are affiliated with Farmers, but unlike Farmers, they are not leaving the state. It is higher than a site built home insurance though.