Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Home insurance denied (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/home-insurance-denied-352433/)

ithos 08-24-2024 02:21 PM
Home insurance denied
 
AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes

villagetinker 08-24-2024 04:06 PM
I would call AAA and point out the new FL law and get specific information from them. They may respond with a rate increase that you will not be willing to pay. You can contact Seniors Against Crime and see if they have any pull in this matter. I know that some insurance companies are eliminating customers in FL to lower exposure to possible losses. I also know 2 neighbors with houses slightly newer than ours with the same Progressive Insurance that were not renewed, while we were.

Stu from NYC 08-24-2024 04:11 PM
Blame it on the roof scam

jrref 08-24-2024 04:11 PM
Quote:
Originally Posted by villagetinker (Post 2363687)
I would call AAA and point out the new FL law and get specific information from them. They may respond with a rate increase that you will not be willing to pay. You can contact Seniors Against Crime and see if they have any pull in this matter. I know that some insurance companies are eliminating customers in FL to lower exposure to possible losses. I also know 2 neighbors with houses slightly newer than ours with the same Progressive Insurance that were not renewed, while we were.
I was also renewed by Progressive with a very small increase. 2017 home here in the Villages. I wonder how they decide?

asianthree 08-24-2024 05:08 PM
I thought AAA was slowly leaving the HO insurance in Florida

Pairadocs 08-24-2024 05:18 PM
Quote:
Originally Posted by Stu from NYC (Post 2363691)
Blame it on the roof scam
That's for sure ! Those "something for nothing people" really showed the rest of us didn't they. Our family in S.S. area made FUN of us for not claiming our "free" roof as they did, but when they got their new, free, roof, they also got quite a jolt when their premium went up like a Falcon 9 after the new roof went on ! Why ? Explanation was NOT the claim....LOL... but the fact the NEW ROOF was worth so many thousands more than the old roof ! Moral is: Don't think you can out smart an insurance company, OR, file a bogus claim for some "creasing or curling", and get away with it in the end. ALL of Florida is going to be paying for those "free" roofs that popped up like mushrooms in The Villages. Freedom is NOT "free", and neither are new ROOFS !

Pairadocs 08-24-2024 05:23 PM
Quote:
Originally Posted by ithos (Post 2363662)
AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes
My "guess", probably not worth much, is they CAN refuse anyone regardless of "laws". Again, just guessing, but I would think the government would have to take over the private insurance sector (something like socialized medicine) to be able to dictate who can not be refused ! ?

Stu from NYC 08-24-2024 05:57 PM
Quote:
Originally Posted by Pairadocs (Post 2363712)
That's for sure ! Those "something for nothing people" really showed the rest of us didn't they. Our family in S.S. area made FUN of us for not claiming our "free" roof as they did, but when they got their new, free, roof, they also got quite a jolt when their premium went up like a Falcon 9 after the new roof went on ! Why ? Explanation was NOT the claim....LOL... but the fact the NEW ROOF was worth so many thousands more than the old roof ! Moral is: Don't think you can out smart an insurance company, OR, file a bogus claim for some "creasing or curling", and get away with it in the end. ALL of Florida is going to be paying for those "free" roofs that popped up like mushrooms in The Villages. Freedom is NOT "free", and neither are new ROOFS !
As a wise man once said, aint no free lunch

vintageogauge 08-24-2024 09:07 PM
Progressive would not renew ours for no apparent reason other than they are thinning out but one of their sister companies gave us the same coverage for about $100.00 less than we paid Progressive last year.

Caymus 08-25-2024 12:38 AM
Quote:
Originally Posted by Becca9800 (Post 2363743)
Our broker told us just this past week she is prohibited from submitting a request for HO coverage to Progressive if the roof is >=10 years. And we're talking about an OHIO property! This sh!t is out of control.

FWIW, we're Farmers clients for our FL property. Farmers is pulling out of FL and we have to find a new carrier. Slide Insurance bought out Farmers' client policies. Initial research into Slide resulted in an immediate "NO WAY, too many negative BBB reports" response. I have spent literally weeks speaking/emailing with potential brokers/carriers. To make a long story short, we ended up going w Slide. Once I reviewed and compared the policy coverage, the limits, the cost, and really assessed the negative complaints, we decided Slide was the best option. I'm still nervous bc Slide is a startup company but if we have to pay any more for insurance, we'll have to sell our long-sought dream. Why does life have to always be a gamble?
A 10-year-old roof in Ohio?

Rzepecki 08-25-2024 06:35 AM
Quote:
Originally Posted by Stu from NYC (Post 2363691)
Blame it on the roof scam
that the insurance companies played on residents.

waterflower 08-25-2024 07:01 AM
Maybe the residents of The Villages will start their own home-owner co-op insurance company. This would illiminate the criminal act of these insurance companies. Stand up humans.

Hplaw 08-25-2024 07:43 AM
Allstate Insurance
 
Quote:
Originally Posted by hollyrich2 (Post 2363799)
I am the property specialist for an Allstate Agency. Allstate is not currently writing property however; we have multiple carriers I may be able to provide a quote from. Please feel free to contact me hrichardson4@allstate.com or 954-437-9220 ext. 308. I’ve helped many people in The Villages secure coverage and save money.
I would never choose Allstate. We had it for 20 plus years and the premiums kept rising (higher than other companies) and we had no claims. My daughter has had Allstate for many years and a leaking dishwasher causing significant damage was denied. A claim covered my any company. We moved to another company and got more and higher coverage, at approximately $400 a year less. :eek:

Villager24 08-25-2024 08:22 AM
Quote:
Originally Posted by ithos (Post 2363662)
AAA is refusing to renew home insurance policies if the roof is older than 10 years. Is this legal? Is the information below accurate?

For example, new laws prohibit companies from refusing to write or renew policies on homes with roofs that are more than 15 years old solely because of the roof’s age. They must allow the homeowner to get an inspection to prove a roof has five years or more of useful life.

Florida insurance companies add new requirements to avoid insuring older homes
I bought a pre owned home in TV with a 13 year old roof. It was inspected and ok. Had no problem getting reasonable home owners insurance.

lkagele 08-25-2024 08:23 AM
Quote:
Originally Posted by hollyrich2 (Post 2363799)
I am the property specialist for an Allstate Agency. Allstate is not currently writing property however; we have multiple carriers I may be able to provide a quote from. Please feel free to contact me hrichardson4@allstate.com or 954-437-9220 ext. 308. I’ve helped many people in The Villages secure coverage and save money.
Not this guy but I wasn't a big fan of my AllState agent. HO rates went up nearly 100% in 2 years. After some condescending responses, I went with another carrier. Only then did my agent try to place me in a more reasonably priced policy. Checked further and the rates I was paying for auto, golf carts and personal umbrella were high as well. Switched everything and am saving over $2,700.

A pretty good rule of thumb; the more they spend on advertising, the less they spend on you.


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