Question about hurricane damaged roofs

[GreggC69]

New territory for us as this is our first hurricane season in The Villages. The deductibles for roof repair are higher since it is "hurricane related" and the higher deductible applies. Are most roofs where there is a section of shingles missing (say 15ft X 5ft) just replaced for that section or is an entire replacement required? Given the cost of the deductible, and the likelihood of increased premiums from the insurer, do most just pay for the repair for just that section and do so out of pocket without filing a claim? Thanks in advance.

[blueash]

New territory for us as this is our first hurricane season in The Villages. The deductibles for roof repair are higher since it is "hurricane related" and the higher deductible applies. Are most roofs where there is a section of shingles missing (say 15ft X 5ft) just replaced for that section or is an entire replacement required? Given the cost of the deductible, and the likelihood of increased premiums from the insurer, do most just pay for the repair for just that section and do so out of pocket without filing a claim? Thanks in advance.

The magic 8 ball says "YES" It really doesn't matter what most do, you need to learn the cost of the small repair, and be sure it is not at least well above your deductible, which it likely will not be, then act accordingly.

[VApeople]

We have State Farm (SF) insurance and our deductible is $10K. On Saturday a SF agent is coming by to decide if we need a new roof or if they want to repair our current 8-year old roof.

We lost about 65-70 shingles.

[GreggC69]

Would love to hear what they decide re full replacement vs just repairing the damaged area.

[BrianL99]

Would love to hear what they decide re full replacement vs just repairing the damaged area.

Florida has legal standards that determine if you can repair or you have to replace.

I believe if it's more than 25% of the roof and the roof was installed prior to a change in the Building Code, it has to be completely replaced.

What Is The 25% Rule In Roofing? | All Points Tile & Slate (https://allpointstile.com/what-is-the-25-rule-in-roofing/#:~:text=The%20roofing%20professional%20would%20me asure,rather%20than%20just%20repairing%20it).

[blueash]

Florida has legal standards that determine if you can repair or you have to replace.

I believe if it's less than 25% of the roof and the roof was installed prior to a change in the Building Code, it has to be completely replaced.

What Is The 25% Rule In Roofing? | All Points Tile & Slate (https://allpointstile.com/what-is-the-25-rule-in-roofing/#:~:text=The%20roofing%20professional%20would%20me asure,rather%20than%20just%20repairing%20it).

You wrote it backwards. If the damage is less than 25% no full replacement is recommended.

[BrianL99]

You wrote it backwards. If the damage is less than 25% no full replacement is recommended.

Thank you, I'll fix it. I included a link, but didn't read it completely, but I'm fairly certain it's mandatory and not just recommended. I ran into the situation with the last 2 homes I've sold in FL (not in TV). They both got new roofs.

[OrangeBlossomBaby]

Since my house is a manufactured home, I don't have normal house insurance. So I don't know how it works here for normal houses. If the roof is damaged, but the roof is also old, will the insurance company not just say "we'll give you $x for the value of the damaged part, and you can either repair it, or apply that $ toward your own cost for a new roof?"

And what if the roof is already new (within the past 2-4 years) and 30% is damaged? Would the insurance company have to foot the bill for a whole new roof, or can they offer a percentage of value of the damaged portion toward the cost of replacement?

Maybe the homeowner wants to replace it with a less expensive shingle set-up. Or maybe they want a vinyl-topped roof. Or maybe they want to upgrade to a much more expensive roof. What the homeowner wants to do, compared with the damage done, should be completely different things. The homeowner should feel free to replace at their own expense, minus insurance award for the damaged portion.

[Cuervo]

We have State Farm (SF) insurance and our deductible is $10K. On Saturday a SF agent is coming by to decide if we need a new roof or if they want to repair our current 8-year old roof.

We lost about 65-70 shingles.

Before the hurricane a neighbor was having their roof redone and before you know it most of us where having it done. It was with a company called Roofing Pros USA.
I have Farmers insurance which will be cancelling me out next year because they are leaving Florida. The thing is I only paid a $500 deductible, some of my neighbors paid a little more. When I say paid more, I'm talking $1,000 range not $10,000. The company did all the inspection work and dealt with the insurance company; they even show me samples of shingle I was permitted to use in my neighborhood. I would check around before I sign a check.

[nn0wheremann]

New territory for us as this is our first hurricane season in The Villages. The deductibles for roof repair are higher since it is "hurricane related" and the higher deductible applies. Are most roofs where there is a section of shingles missing (say 15ft X 5ft) just replaced for that section or is an entire replacement required? Given the cost of the deductible, and the likelihood of increased premiums from the insurer, do most just pay for the repair for just that section and do so out of pocket without filing a claim? Thanks in advance.
25% defective to require replacement AFAIK.

[midiwiz]

New territory for us as this is our first hurricane season in The Villages. The deductibles for roof repair are higher since it is "hurricane related" and the higher deductible applies. Are most roofs where there is a section of shingles missing (say 15ft X 5ft) just replaced for that section or is an entire replacement required? Given the cost of the deductible, and the likelihood of increased premiums from the insurer, do most just pay for the repair for just that section and do so out of pocket without filing a claim? Thanks in advance.

Get the adjuster out first before you decide. Each insurance company is different. Mine for example is all about matching - which with an older roof will not happen, so the roof gets replaced. Second part - there is no guarantee either way - so do NOT assume your premiums will increase. That is dependent on so many factors, both company wide and individual.

Also keep in mind, if you patch it and it doesn't match (which over time it may never match) it will effect your time on market when you sell your house.

[Ohiogirl]

Just an FYI, we had a few of our older (10-13) yr old shingles replaced a few years ago - many roofing companies keep extra older shingles on hand. We only noticed a difference in color for maybe the 1st year, as the sun equalizes color (read fades) quickly in Florida. It was a minor repair. We used a small roofing company in Leesburg, can't remember the name, and I'm not currently in TV to find the receipt. I think the Warranty office would be able to find the brand/color of the original roof shingles for you so you could check with roofers.

[JRcorvette]

New territory for us as this is our first hurricane season in The Villages. The deductibles for roof repair are higher since it is "hurricane related" and the higher deductible applies. Are most roofs where there is a section of shingles missing (say 15ft X 5ft) just replaced for that section or is an entire replacement required? Given the cost of the deductible, and the likelihood of increased premiums from the insurer, do most just pay for the repair for just that section and do so out of pocket without filing a claim? Thanks in advance.

Repair…. And if you want the best price and quality work call Scott Smith Roofing. Some of these roofing companies are quoting outrageous prices for repair. Mine was repaired and you can not even tell it was damaged. My roof is around 10 yrs old.

[jamorela]

Before the hurricane a neighbor was having their roof redone and before you know it most of us where having it done. It was with a company called Roofing Pros USA.
I have Farmers insurance which will be cancelling me out next year because they are leaving Florida. The thing is I only paid a $500 deductible, some of my neighbors paid a little more. When I say paid more, I'm talking $1,000 range not $10,000. The company did all the inspection work and dealt with the insurance company; they even show me samples of shingle I was permitted to use in my neighborhood. I would check around before I sign a check.

I suspect that the claim was put in as wind damage or hail damage. Now we had a hurricane, so it MAY be under hurricane coverage, which is 2% of the value of your house.

[Velvet]

Just a question, if the wind never went to hurricane level during Milton in your area, would the roof damage still be labeled as “hurricane” damage?

[Dr.SammieMD]

If a hurricane warning was issued anywhere in the state of Florida, the hurricane deductible is in effect for all policies issued in the state, regardless of proximity to the storm. It remains applicable for 72 hours. Also, the deductible is an annual amount, not a per-storm amount.