[Michael G.]

Also watch the Tik Tok video

https://www.msn.com/en-us/money/comp...d82a90f5&ei=32

[gatorbill1]

They won't insure a Sumter County home over 10 years old.

[JSR22]

Originally Posted by gatorbill1

They won't insure a Sumter County home over 10 years old.

They insured mine in Sumter which is 12.

[Dhall22826]

they told me nothing over 20 years old

[drcar]

Originally Posted by gatorbill1

They won't insure a Sumter County home over 10 years old.

They insured mine last month, it will be 12 years old in December

[Topspinmo]

When we was getting quotes two years ago I almost when with State Farm. At time they wasn’t writing in any houses before 2003? Something about different hurricane building standard? My house just slide in meeting the new standard. I went with someone else the rate compared was reasonable the same at much lower price. Glad I did now.

[Golfer222]

Mine too- 15 years old- lower premium
Sinkhole deductible went from 42,000 dollars to 2,100 dollars

[billethkid]

19 Years for us. No issues to date.
Rates are in line with other providers.

__________________________________________________ _

[melpetezrinski]

Originally Posted by gatorbill1

They won't insure a Sumter County home over 10 years old.

We just switched to State Farm. They insured our 2007 home with an original roof. The 12 month premium is $856.

[gatorbill1]

I made a mistake - no houses built 2003 or before. My math was wrong.

[Rosethorn]

Originally Posted by melpetezrinski

We just switched to State Farm. They insured our 2007 home with an original roof. The 12 month premium is $856.

That’s good news. I’m trying to get a policy with them. My roof is 12 years old and the inspection stated that it has another 6-7 years of life in it.

[mtdjed]

Originally Posted by gatorbill1

They won't insure a Sumter County home over 10 years old.

I was told by State Farm office in the Villages a year ago that my 2006 home had a roof over 15 years old and State Farm would not insure. My Progressive Insurance policy had just gone up to $4100. I ended up at about $2500 with Allstate with the requirement that I also insure my cars with them. Roof age was not an issue but may have influenced rate.

This year Allstate raised rate to about $3300 so I am searching again. I opened an inquiry on the net and got many responses.

Most interesting was recent response from the State Farm. I was told that current State Farm philosophy is that roofs should have a life of 20 to 30 years. However, they require a 4 point inspection of the house by a non State Farm agent to insure condition, and that is submitted to State Farm Underwriters for review and hopefully approval.

My 4 point inspection occurred today. They inspected plumbing, AC /heat, Electrical and Roof. Interestingly, the roof inspection was done by drone. I received a copy of the report submitted to State Farm and it said roof is good for five years. Underwriters must approve.

I was told that I could improve life by replacing Shingle caps, but that would be my decision.

Any way am waiting underwriting approval. I have agreed to move my two cars to State Farm. If accepted rate decrease from current is about $1500.

This is current, actual, and pending. I would say give State Farm a Chance . So what if they ask for Roof inspection verification. Better than auto 15 yrs and out.

[JaniceOhio]

Originally Posted by gatorbill1

They won't insure a Sumter County home over 10 years old.

We just signed on with them. Our house was built in 2012. No problem.

[cjky2k]

Originally Posted by gatorbill1

They won't insure a Sumter County home over 10 years old.

We switched back to State Farm when we moved here full time in April. No issues and we saved money compared to AllState which was the cheapest when we didn’t have cars to bundle in.

[kkingston57]

Originally Posted by JSR22

They insured mine in Sumter which is 12.

Keep your fingers crossed and hope they do not cancel you. If they do you will have limited good choices.