Originally Posted by valuemkt (Post 1767306)

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.

Originally Posted by Byte1 (Post 1767330)

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.

Originally Posted by retiredguy123 (Post 1767296)

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

Originally Posted by Alana33 (Post 1767484)

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?

Originally Posted by big guy (Post 1767132)

Not allowed by The Villages nor is a tile roof.

Originally Posted by Janice1877 (Post 1767177)

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?

Originally Posted by JGVillages (Post 1767324)

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.