State Farm Insurance, D**m Them!
 

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

I use Progressive with a 2012 roof. They raised my rates over the years, but still somewhat reasonable considering the way insurance works these days. I'm curious, what about your 2015 roof wasn't up to the 2020 code? 2015 is still a pretty new roof.

Whose your agent?
 

I recently moved everything to SF. My house was built in 2016.

https://www.floridabuilding.org/fbc/...52820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck

I'd be tempted to upgrade the roof to mitigate the risk of having water damages and dealing with the aftermath.

The value of the home will increase also.

We have a newer home, started with Allstate, had them back home and suddenly all my rates jumped. Moved to SF and no surprises yet...The only other trick to watch is understanding when you switch if you are getting the low introductory rate and when that ends and what that means...

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

Progressive is dropping folks like a bad habit.

Don’t you know insurance is legalized racketeering :duck:

I been tempted to change air in my tires, well cause it old:throwtomatoes:

Call me
 

352-245-2423. Abshier InsuranceAgency. We can take care of your insurance. Sharon, agent

No it’s insurance :what:

Yes

Sorry for that. I commented elsewhere that I called SF for a quote and they would not write new insurance on my 2019 home. They indicated had I been insured with them for car coverage as of 1/1/2024 they potentially would have..

This is what I was emailed from my State Farm agent: Peel and stick applied directly to the entire roof deck or applied to all joints and seams of the roof deck. To comply with 2020 Florida building code

Two roofing companies said that they would have to remove the shingles in order to comply, thus a new roof!!

I just renewed with State Farm car and home, home is 10 years old same roof, my home went up $123 , I guess with insurance these days it’s just the luck of the draw

I did too. I was told that the cut off was 4/1/2024. I'd be interested in if you also receive a cancellation notice.

It would be nice if Florida gave us a heads up about these changes, for example if the Final 2020 is going to be updated to a Final 2026, then getting a new roof (if it can be delayed) in 2024 will cause similar problems down the road.

I was looking around & it seems like the Florida Building Code is updated every three years. But who knows if major roof updates will be included?

you probably need to hang out in a general contractor's office and find out what he uses for code updates. They are published in places where the commercial professionals always go, wherever that is.

SG....Wouldnt you agree its much more fluid and volatile in FL than back home? I know it's all relative but I've seen nothing out of the ordinary up north. Other than normal cookie cutter increases

Yes, agree, but NE is not a high risk environment for
hurricanes, twisters, tornadoes, cyclones, hail, hailstones, floods, standing water, rushing water, straight line winds, micro bursts, forest fires, brush fires, and any other high risk weather events not included in this legal department's list. :22yikes: :cold:

Help me out. If SF sold you a one year homeowner's policy in April, accepted payment and issued the policy... How can they a few weeks later cancel it. Isn't a contract binding on both parties? Is there some fine print allowing the insurance company to back out for any reason they like?

SF certainly knew the age of your home when they issued the policy. They certainly had the opportunity to ask or even did ask the age of the roof. They agreed to cover your home. IANAL, I need somebody to explain this.

I would understand if they said that based on the age of your roof they will not renew your policy, but I don't understand how they can just cancel if you didn't lie about anything.

Ahhh yes....paradise defined! ;)

Agree....some key detail is missing from OP post

My Farmer's agent is still here and they renewed me for the year. Apparently, they must give you notice that they won't be renewing and I guess they were forced to renew me until the end of the new term. Won't be the first or last agency to drop me since I have been here. I did get a refund when one company went chapter 11 AFTER they accepted my payment for the year.

I have been told that an Insurance Company has 60 days from the date that you get the policy to cancel your coverage with or without any reaseon.

I'm surprised how expensive new roofs are here in TV. Like 2x-3x what we're used to from up north.

You were told incorrectly.

They can cancel the policy they issued, with certain restrictions.

They have to give you at least a 30-day notice in most states. Some states require longer. No idea about Florida for notice time.

They can only cancel it for reasons specified by the contract. SOME reasons are as follows:

They can't cancel it for "no reason" or even for "any" reason.

Was in the adjusting business. Peal and stick is probably one of the worst roofs you can have. Was from S. Florida and this was not up to code YEARS before. Might check to see if your roofer installed a non code compliant roof and if still in business you might look to see if you have a legal case against the roofing company.

State farn insurance
 

As a retired property adjuster all I can say is that I hate State Farm Insurance and would never purchase from them. :ho:

Hopefully Patrick Mahomes isn’t reading this! ;)

Yes,you will be non renewed at renewal

They are getting totally out of the state of Florida. By law they have to give a 90 day non-renewal notice to cancel policies. Our policy renewed 12/1/23 and they didn’t get the notices out until November so they had to renew us for another year, but they won’t renew us again this 12/1. We put on a new roof in February and will be shopping for new insurance this fall. Not something I’m looking forward to given the dysfunctional state of the homeowners insurance market in Florida.

Yes Farmers left the state because the high risk factor of weather , you will get a cancelation notification when your policy is up for renewal.

What NO MORE FREE ROOFS.... and you all thought that wasn't going to catch up
with you! Nobody to blame but yourselves...High Crime, High Insurance rates & High Taxes....welcome to Florida

Before you give up on State Farm, check out the alternatives. Many of the new companies writing in Florida only write in Florida and IMO are only a hurricane away from insolvency. They run out of money to pay claims and file Chapter 11, leaving policyholders with bupkis. Progressive non-renewed us and we moved to State Farm, understanding that the rates in subsequent years will likely be going up (has insurance ever gone down?). Check out the stability of the company before you pay the premium. Here is a source to use for research: AM Best

Interesting- I have Progressive for Auto and Cart- they would not ensure my 2011 built home bought in 2022, due to the age of the roof “being more than 10 years old”

My mother just paid $20k for a roof in PA. Just an average size roof. 1 piece of plywood needed replaced. I think prices have gone up everywhere

If you decide to get a new roof, be sure they will still insure you. A friend did just the same and then the insurance company said they would not insure him because now if something happened, it’d be too expensive. (Not State Farm)

Does anyone offer policies excluded roof replacement ( you self insure?)