roofs
 

how can so many roofs be bad???? in my area , the roofs are only 8-9 years old. one roofer has done about 8 roofs around me. didn't they stop that roofing scam????

Now that Ron is no longer campaigning for a national office, I hope he can get back to working for us here in Florida.

If your neighbor got a "free" roof, scam is still ongoing. Now a lot of insurance companies are requiring a new roof under their underwriting guidelines

Did they stop roofing scam? Never going to stop insurance scams. Way laws are written so lawyers get paid so they can argue till the sun don’t rise. :sing:

So you think that’s going to stop it? All that does is make the innocent/honest pay for roof that wasn’t bad cause they can’t get insurance.

Sad this is still going on. Sometime soon our insurance company will make us replace roof even if still ok.

If only the insurance companies would require their own inspections before paying for a roof.

Seen alot of homeowners insurance require new roof every 10 years in florida now. Budgeting for it is becoming common practice. Save 1000$ every year that way you dont get whacked all at once. Average roof on a average sized house here seems to be 10-12k. I know its not ideal but it is happening. Sadly. Asking for a itemized quote is one way to help keep things honest. I hear the pemits are more expensive in florida so that might be a factor. It seems to be about demand mostly. If there is no shortage of people paying it, they will keep charging it.

Ask those neighbors. They could have received a discount if they all bought one. We paid for ours and I’m sure there are those who thought it was a “free” roof.

New Roof
 

I thought it was a requirement to get a roof every 15 years, by insurance companies. Lot of scams going on by roofing companies.

My home in Royal Highlands had the original roof from 2002. I replaced it when I sold the house it in 2021. The roofing company inspector said it would probably be good for another 5 years or so, but many buyers and insurance companies might take issue with a nearly 20 year old roof...

The latest thing, aside from insurance companies requiring new roofs, is bad shingles still under warranty. The shingles have deteriorated and being under warranty you may get free shingles and a stipend for some of the labor. You still pay for sheathing and some labor, so not a free roof.

The scam was on us by the insurance companies!

New roof every 15 years is the scam insurance companies are running on residents!

this is wise advice, put it in a money market account at 4 to 5% interest. it's what I plan to do. And when I do replace it I'm gonna stick with a 25 year shingle instead of the more expensive 50 year.

Yup. Exactly what they should do. And use inspectors that can’t be bought by roofing companies or home owner. I’m not saying all the roofing companies are scammers. This is not an issue unique to Florida. Our over-50 in Bucks County PA has same problem. Home owner brags about zero dollar roof replacement via insurance and then neighbors step up to the plate. It’s a fraud, period and two parties are involved

Wonder where you find the information about your original roof shingles to file a warranty claim. For our vacation home in Maine when we redid the roof we had the entire roof covered in Ice and Water Shield before shingles. Will never leak even if shingles fail

Great idea if you have enough neighbors interested. All the homes in a community were roofed at the same time with the same shingles so theoretically (no, positively) all should start to fail at the same time. We live in a 2009 Pennecamp CYV. Wondering if we can expect our shingles to start failing soon. Who did your roof and was it a collaborative event??

That scam has contributed a lot to the rising premiums and non-renewals of homeowners insurance. I received a renewal for my policy with a few hundred dollars increase - not the doubling or tripling as others have had - with a letter that the price was based on having no claims. Having been in the insurance business for more than 20 years, I predicted this would happen.

Sorry folks - there ain't no such thing as a free lunch.

Progressive, my insurance company, did require inspection by their chosen inspector. He did a thorough, time-consuming inspection and determined I needed a new roof. It was 12 years old. Therefore, at least in my case, insurance companies aren't just taking the homeowner's word for needing a new roof.

My understanding is that if your roof is no longer covered by your insurance, you still have the other coverages under your homeowner's insurance policy.

For example, if your house catches fire, that loss is covered. If you have a burst water pipe inside your house while you're away and the house is damaged by the water, that is still covered. If a visitor slips and falls on your sidewalk and sues you, that is still covered.

Only damages that can be attributed to a faulty/leaky roof are not covered. So, if you'd rather keep your current insurance without the roof leak coverage instead of spending $15K to $18K to have a new roof installed, then that's your option.

BOTH Roofer and my Insurance Co. inspected my 3 yr. old roof and said because of hail, it needed replacing.

So not knowing anything about roofs and like a dump @ss I said OK, replace it.

I should have took the $$$$ and put it toward my ins, premiums without replacement and took my chances.

Stupid is as stupid does.

They do.

Try calling CertainTeed at 800-345-1145

I'd be more worried about mold & your entire roof structure failing, due to improper ventilation.

Ice & Water shield is not meant to cover the entire roof, especially in areas with wide temperature variations.

Funny, in the last 15 years here our house has missed all these roof-wrecking storms. I may have seen hail once for less than a minute.

I second your motion ! He better get to doing something ! Relatives tell us this whole Florida roof scam scandal is now starting in their retirement community in Arkansas ! My parents lived in Minnesota where the snow was frequent and HEAVY on the roof of our old 2 story home... the roof was 40 years old ! The ONLY thing my dad did a coupe times was "tar" near the chimney.