All these new roofs
 

Just read the ad from the Villages Insurance that says that their rates are going up substantially because of all of these new roof claims. One street in our neighborhood has 1/2 of the homes with signs that say “approved”. Usually you get dropped from the company if you file a claim. Is this happening? Or am I just going to have to pay for everyone’s claim?

IMHO, your first mistake is using the Villages Insurance. American Integrity is trying to deny all roof claims right now and that has driven many of us to Public Claims Adjusters to step in on our behalf. All roofs north of 466 will need to be replaced in the next 2 to 4 years, they will all be over 20 years old. If the roof is nor replaced, the homeowner will not be able to renew or get new insurance.

The wind storm n February seems to have left quite a bit of damage as inspectors are finding. Thus, everybody is filing claims to have their roofs replaced for just their deductible.

it's always wise to shop insurance policies around every couple of years

we switched to Triple A a couple of years ago and saved a bundle on combined home/auto

After American Integrity raised our premiums 3 years in a row, I thought enough was enough, and shopped around and went with Progressive/ASI, first year's savings over $300. Just renewed with a modest increase of $39.

I am going through this same routine. My rate with American Integrity went up 45%. Also they are not writing new policies in our area. ASI progressive is also not writing new policies in our zip codes. I don't understand how you can get an entire new roof for just the deductible. Should there not be some kind of prorating for the age of the roof?

You have summed up what insurance is - a group of people putting money into a pot to cover the costs of one or more of you claiming for a loss. Whether this is done through a third party (an insurance company) or informally amongst yourselves, anyone who does not make a claim ends up paying for those who do.

I wouldn't feel too sorry for the insurance companies. They make out like bandits when times are good, and squeal like stuck pigs (and raise premiums) when times are not. There is a way that they can reduce their risk (reinsurance, whereby they lay off a percentage of their claims with other insurance companies) if they think they are too exposed in a certain area, but that means handing over some of the premium income which they don't like to do.

The fact that a number of roofs in your area are being replaced at the same time is no great surprise either. If the roofs are basically the same in terms of age and construction, since they have all been exposed to the same strong winds they are likely to be affected similarly.

As others here have said, the best thing is to get quotes each year from reliable companies each year and get the best deal for the coverage that you want.

If you have 3 Tab shingles, the roof is replaced because of a code change requiring a higher wind rating.

:) https://www.talkofthevillages.com/fo...2/#post1762640

What am I missing. Replacing a 20 year old roof sounds like normal maintenance and not an insurance claim?

There were some problems with some of the roofs that had been installed by companies that were hired to do the roofs on new construction. Same with some of the structures that have siding. Also some that have stucco. In the section between 466 and 466a, there were a number of roofs that had to be replaced due to faulty shingles. You could be in a house with shingles that have to be replaced after 15 years, and right next door is my place where the shingles are good for 25 years. Really is a "crap shoot".
And then there was a F3 tornado that went through on February 2nd, 2006...…. You would not believe the damage that did!!!

We all will be paying.

Has anyone thought about the possibility of installing a metal roof? It has to have a longer life than conventional shingles. Just a thought.

Here's what I learned from my insurance agent about roof claims. I was told there is a difference between a claim that is "agreed to be valid" by your insurance agent (i.e., true storm damage) as compared to one that the insurer simply "acquiesces to the claim" (i.e., not true storm damage, but simply normal wear and tear on the roofs) because they do not want to fight a fraudulent case in court. Fighting in court costs the insurer ~$50K on average versus paying a $10K-$20K claim.

In the case of the latter, if the insurer inspected the roof, and did not find sufficient damage to qualify as storm damage as opposed to normal wear, your file is labelled as having submitted a fraudulent claim. This information is shared with other insurance companies which could result in much higher premiums for the homeowner or their inability to obtain insurance with a storm damage rider. Either way, you and your neighbors will pay higher premiums.

A friend of ours just purchased a home in TVs. The Villages Insurance was reluctant to provide a storm damage rider because the roof was >10 years old. They wound up paying over $1900 for full coverage with USAA.

Some insurers have already revised their policies to prorate storm damage, with a steep reduction in storm damage coverage once the roof is older than 10 years. The others will no doubt follow their lead.

Most insurers in Sumter County have or soon will raise their rates significantly if you have an older roof.

Beware of the door-to-door roofing sales people. They shouldn’t be going door to door anyway there’s no soliciting in the villages. I saw one company on my neighbors roof across the street bending up the shingles trying to create more than 20% damage. Insurance company was called and possible fraud charges are pending.

We use Villages Insurance and have Progressive for home and auto.

I don't think that what your insurance agent told you is correct. It would not make sense for an insurance company to pay $10-$20K for a fraudulent claim. That would just encourage more fraudulent claims. Insurance companies have more money and better lawyers than any roofing company. An insurance agent is basically a salesperson, who doesn't approve claims anyway. I think your agent is misinformed about how claims are approved.

You do not get dropped from your insurance. The Villages Insurance is a representative of various insurance companies. If your rate goes up you can ask them to shop around for a cheaper rate for you. After my roof was put on my cost went down 100.00 from my insurance company. Many insurance companies will not insure a home with a roof over 20 years old or the rate may be higher. If you truly had damage then you only pay your deductible. My rate will probably go up but never to the cost of a new roof that I would have to put on if not damaged and only age related.

It should not be possible to bend up the shingles. The bottom edge of shingles have a coating that cements the shingle to the one below. If the shingle can be bent up it is already damaged.

You may have noticed that the signs in front of the homes getting a new roof are from the same company. They sent teams of door-to-door salesmen to the area and solicited new business by telling homeowners that the insurance company will pay for everything except the deductible. Wow! A new roof for $500? Sign me up! Most of these signs have been up for 10 days and have not been approved by the insurance company

Good Luck on getting ARC approval on that ...

I believe we are being punished
by home owner's insurance companies because of the 18-20 year old roofs being replaced at their expense. I blame the insurance company inspectors for approving "storm damage" on 20 year old roofs. That is a wear and tear situation and you would expect to replace a roof of that age. My neighbors are paying for their roofs because they are 18 years old. We, collectively, are going to end up paying for the "free" roofs!

Roofers are just educating homeowners on the wind damage Clause of their homeowners insurance. My roof is 21 years old, roofer inspected and found no wind damage. So no claim.

They dropped us after one claim.

The other day, a woman was going door to door saying she was from Apex roofing and soliciting for new roofing. My roof isn't even three years old, and most all of the roofs on my street have been done in the past two to three years. My wife told her that there is no soliciting in The Villages. The woman must have been blind or just stupid.:ohdear::ohdear::ohdear:

There are some metal roofs located in the cottages of Lake Sumter

Actually the last I heard from my insurance provider was no insurance company in Florida will issue a policy on a roof older than 15 years. He is an agent that insures high risk property and he has no product that will do this. If you want to sell your home in The Villages or anywhere else in Florida if the roof is more than 15 years old you will have to replace the roof or reduce the price. I will say with a new roof his rate was way better than $1900 dollars. Not sure what size home was insured but my home is an Iris and my insurance was under $1000 excluding flood.

Go online or to the library to read Consumer Reports ratings of home insurance (or any insurance - or product for that matter). I used their recommendations.

Do you, by chance, live in Woodbury?

Metal roofs are a great idea, but they open up a can of worms as far as deed compliance. There was a thread discussing this earlier this year.

Not exactly correct. Your roof will not be replaced simply because the code has changed. There has to be damage to the roof first. Policies typically have 'code upgrade' coverage. If there is damage and it necessitates replacement, insurance will pay for that plus any additional cost it takes to repair in order to meet the new code requirements. Just not meeting the new code does not trigger insurance coverage.

"The fact that a number of roofs in your area are being replaced at the same time is no great surprise either. If the roofs are basically the same in terms of age and construction, since they have all been exposed to the same strong winds they are likely to be affected similarly."
We first moved here eleven years ago, at that time the roofs were all needing to be replaced. They did it for free, but aparently they use a very cheap version of tiles. I really think this is awful since they knew it was happening, or was going to happen to so many people.

Not allowed by The Villages nor is a tile roof.

They were built as places for Lifestyle visitors to stay. Musicians, and visiting dignitaries stayed in them too. The Villages won't approve a metal roof or a tile roof.

Question. When you changed did that include a sink hole rider? I would love to save $300/year

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?

Are you from NY? My house was built in 2006. I have had three leaks. With one i had to replace part of my interior bedroom wall tdue to waste. Another leake caused so much water damage that i had to replace a supporting beam. It was the "insurance company adjuster" that inspected my roof and told me that they have to replace my entire roof. WHERE IS THE SCAM?

We went through The Villages insurance but must have been hooked up with a better company tan you. The Villages Insurance is a Broker for several companies.
We were hooked up with Florida Family Insurance. No problem getting our “wind damaged” roof replaced.

It's not an insurance claim if your roof has lasted it intended life cycle. If it hasn' treached that level the USUALLY there is a prorated replacement dollars, IF the roof needs replacement because of some type of damge from outside sources, wind or hail as an example.

Construction in mid 2015 through at least 2016 and perhaps into 2017 may have a valley underlayment issue of faulty product manufactured by TAMKO of Joplin, MO. This results in the breakdown of the asphalt underlayment with resultant leakage of asphalt on the shingles and in many cases down the gutter drains and onto the driveway, with heavy staining. The underlayment is a secondary protection from ice and water that is in the building code. You can find out who did your roof via Villages Warranty and then ask the roofer to verify that your roof did/did not use TAMKO underlayment. If they did, your claim is against TAMKO, not your home owners insurance or Villages. Roofers are swamped with requests so anticipate delays but be persistent. Some roofers are trying to get $150 inspection fee, even if they installed your roof. That is obviously unethical and you would then work with Villages Warranty to contact your original roofer for a no fee inspection. Your roofer typically will provide a copy of the original purchase order for the roof that will prove TAMKO or not, potentially useful if you plan resale in the future. Villages or your roofer will also give you TAMKO contact information for a claim kit should you have their product.

Ohiobuckeye
 

Yes, the Ins. companies are going to get us one way or another. They must own Quaker State Refinery too because their motto is, “Pay me now or pay me latter”. Ins. companies must all be owned by lawyers.