[Sherry8bal]

I totally agree with you. For someone to pay for home insurance and then NOT use it when they have a claim is ludicrous. Why even bother to pay for insurance?

[valuemkt]

FREE LUNCH THEOREM: There is no such thing as a free lunch. Folks that expect to get a brand new roof after 16 or 18 years on a 20 or 25 year roof are the same that eat 3/4 of their meal at a restaurant and then complain that the food was lousy and refse to pay for it .. They get away with it, but the restaurant (in this case insurance company) "eats" the cost. I'm sure the insurance company reserves a certain amount of money for un ordinary claims, but when they come in mass from a group of hucksters trolling a neighborhood, you can expect hefty increases or cancellations if they in fact agree to replace them. Both of the above are unethical, it;s just the size of the claim that's different.

[JGVillages]

Originally Posted by valuemkt

FREE LUNCH THEOREM: There is no such thing as a free lunch. Folks that expect to get a brand new roof after 16 or 18 years on a 20 or 25 year roof are the same that eat 3/4 of their meal at a restaurant and then complain that the food was lousy and refse to pay for it .. They get away with it, but the restaurant (in this case insurance company) "eats" the cost. I'm sure the insurance company reserves a certain amount of money for un ordinary claims, but when they come in mass from a group of hucksters trolling a neighborhood, you can expect hefty increases or cancellations if they in fact agree to replace them. Both of the above are unethical, it;s just the size of the claim that's different.

If one knows nothing about roofs but you’re concerned because of age and possible damage so you contact a roofer to check it out. He believes you have storm damage so you contact your insurance company to have their inspector check it out, submit a report, then the insurance company’s ( in this case Progressive) Adjuster approves the claim for replacement why is this unethical? Seems a logical process to me and if the insurance provider agrees I’d be crazy not to use the insurance my premiums have paid for what seems forever.

[Byte1]

I purchased a home in The Villages that was 18 yo and my insurance co. refused to insure it until I replaced the roof. So, my broker found me another company that insured me for a little over a year before they went bankrupt or something and had to drop me. I replaced my roof (at my expense) and my broker found me an insurance company that charges half of what I was paying before and half the deductible. That said, almost every home in my neighborhood has had their roofs replaced in the last year or so AND most of them did it by only paying their insurance deductible. I am happy for them, BUT I sure hope it does not mean that I have to help absorb some of the cost to the insurance companies with a raise in my premiums.

[VinoGolf]

Originally Posted by Byte1

I purchased a home in The Villages that was 18 yo and my insurance co. refused to insure it until I replaced the roof. So, my broker found me another company that insured me for a little over a year before they went bankrupt or something and had to drop me. I replaced my roof (at my expense) and my broker found me an insurance company that charges half of what I was paying before and half the deductible. That said, almost every home in my neighborhood has had their roofs replaced in the last year or so AND most of them did it by only paying their insurance deductible. I am happy for them, BUT I sure hope it does not mean that I have to help absorb some of the cost to the insurance companies with a raise in my premiums.

See Post 47. I can almost assure you (and we) will see an increase in our premiums.

[DeafDeaf]

When I switched to another carrier last March in order to save over $1,000 for a combined home and automobile coverages, the carrier sent the inspector over to my home, using the drone, took several photos of my roof to prove that none on my roof was damaged. At least I saved $1000 a year.

[Alana33]

Originally Posted by retiredguy123

A membrane roof is fine, but it is ugly. They use shingles because of the appearance.

That's funny.
I don't think they're ugly at all!
Clean lines and you can get the top coat for the roof in many colors.
I would've had to replace my roof on my STT home 3X's by now if it was done with shingles.
What's that cost ya to do up here?
What type of maintenance issues are there with shingles?

[retiredguy123]

Originally Posted by Alana33

That's funny.
I don't think they're ugly at all!
Clean lines and you can get the top coat for the roof in many colors.
I would've had to replace my roof on my STT home 3X's by now if it was done with shingles.
What's that cost ya to do up here?
What type of maintenance issues are there with shingles?

I wasn't trying to be funny. The advantages of a membrane roof is that they are cheaper and they can be installed on a relatively flat roof. Typically, shingles need to have a slope of at least 3/12 or steeper. The roofs in the Virgin Islands are probably too flat to use shingles. But, I think shingles are used here because they have a more attractive appearance. They used to make a plain flat shingle, but most shingles today are called architectural shingles because they have a three dimensional appearance to them. They will last about 15 to 25 years with almost no maintenance. But, they have a longer life span in the North than in Florida.

[Mleeja]

Originally Posted by big guy

Not allowed by The Villages nor is a tile roof.

Not correct. I have seen at least two medal roofs within The Villages. Both south of 466.

[milling73]

Actually there are metal and tile roofs on many homes near Spanish Springs — Village of Rio Grande, Del Mar, Ponderosa, etc. It depends on the Village area.

[Misky1951]

Originally Posted by Janice1877

I need some advice. My home is 15 years old. I called a roofer that has been highly recommended on this site as being honest. He told me he couldn't inspect my roof or my insurance company (US Coastal, Cabrillo thru The Villages Insurance) would say he damaged the roof and wouldnt cover any damage. He then told me if I called Cabrillo to inspect it they would deny and then cancel my insurance since it's 15 years old. He also said if i tried to change insurance companies they would not cover until I replaced my roof. With hurricane season approaching I would like to know that my roof is in good shape. Many houses on my street had damage from the storm and have had their roof replaced. I don't want to claim something if it's not true, but i also would like to have it replaced or fixed if it was damaged in the storm. If it wasn't damaged by storm but needs to be replaced due to age I am more than willing to do so. But how do I find out? Does anybody have any ideas what I should do?

I also have US Coastal (through TV). They were called by the roofer who checked my roof. They agreed that my roof needed to be replaced. But, my policy had a clause that US Coastal could select the roofer. I checked the roofer they selected and they got a high rating from the BBB. So, I would call US Coastal directly.

[stan the man]

problem with metal...vents,skylight, sealed with rubber.

[valuemkt]

Originally Posted by JGVillages

If one knows nothing about roofs but you’re concerned because of age and possible damage so you contact a roofer to check it out. He believes you have storm damage so you contact your insurance company to have their inspector check it out, submit a report, then the insurance company’s ( in this case Progressive) Adjuster approves the claim for replacement why is this unethical? Seems a logical process to me and if the insurance provider agrees I’d be crazy not to use the insurance my premiums have paid for what seems forever.

Thats a far cry from engaging with a high commissioned door to door roofing company knocking on your door and trying to scam an insurance company

[Bay Kid]

Darn my roof is from '04. I better call the insurance company.

[xcaligirl]

I did hear that some people got their insurance cancelled because the roof people suggested a FREE new roof due to "storm damage". That should come with common sense that nothing is for FREE! Our house is 17 years old and we got a new roof in 2018. (no insurance used).