[DaleDivine]

Originally Posted by KRMACK55

It’s a renewal not new read the comment

NOT the OP...

[DaleDivine]

I'm thinking about replacing mine with a metal roof.

[mikebama]

Originally Posted by Babubhat

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes

Hat tip 🥃🥃

[Topspinmo]

Originally Posted by ithos

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?

I would like to thank all the roof scammers that got the free roofs for causing my insurance to go up 600 dollars. I just love paying for all you’re roofs UCbs.

[Topspinmo]

Originally Posted by DaleDivine

I'm thinking about replacing mine with a metal roof.

Not so fast, the developers can have metal roofs on their buildings but not allowed on residential houses. Sucks don’t it.

[retiredguy123]

Originally Posted by ithos

Was shopping for new car insurance and considered switching both my car and home policies to AAA.

One criteria they have is that the roof needs to be less than 10 years(for new policies, not renewals).

This means homes with roofs older than 10 years would have to be replaced before selling if this was an industry wide requirement.

My question is do all insurers have this stipulation? Why wouldn't a roof inspection be acceptable?

I think it is a mistake to think you are going to get a better deal by having your auto and homeowners policies with the same company. Shop around for each policy separately. If they say you will get a multi-policy discount, do the math. You will often pay less by having policies with two different companies.

[tophcfa]

Originally Posted by Topspinmo

Not so fast, the developers can have metal roofs on their buildings but not allowed on residential houses. Sucks don’t it.

It does suck. Many developer owned buildings have metal roofs, but they are tricky to get through deed restriction for residents. Also, it would be difficult to get the solar blankets that heat the water in our pool installed on a metal roof.

[Topspinmo]

Originally Posted by tophcfa

It does suck. Many developer owned buildings have metal roofs, but they are tricky to get through deed restriction for residents. Also, it would be difficult to get the solar blankets that heat the water in our pool installed on a metal roof.

Why would it be any different than shingled roof? I would think it would be easier to mount or are you saying the metal roof won’t heat water like shingled roof?

[tophcfa]

Originally Posted by Topspinmo

Why would it be any different than shingled roof? I would think it would be easier to mount or are you saying the metal roof won’t heat water like shingled roof?

I called T & D construction, the company that installed our pool and solar heating, and asked if they would reinstall the solar if I replaced our asphalt roof with metal. The answer was no. Apparently the method used to attach the solar system to an asphalt shingled roof would not work on metal and there are too few metal roofs to make it worth their effort to install solar on metal roofs and offer their standard warranty.

[eyc234]

Did research on metal roofing a few months ago to get info for next roof if we are still in this house and TV. You can get stamped metal roofing that looks like shingles and comes in various colors and styles. Not cheap but last almost indefinitely. Then spoke to TV ARC office about metal roofs. First response was not an option. Then explained with pictures what I was looking at and response changed to submit and it could be possible with changing of technology and styles. The option of having barn style, straight panel roofing will probably not be in the near future until price of insurance and roof replacement become so high that government steps in to override HOA's.

[Orvil]

I swear that I saw a home for sale in TV sometime this summer with a standing seam metal roof. It stood out and made an impression on me. I believe it was on a home in the northern area.

Just wondering out loud. What kind of roof do the manufactured homes in the older sections have? Metal.

[kkingston57]

[QUOTE=Velvet;1974573]And I’ve also heard that some insurance companies do insure you but raise your roof deductible to $15000 or more so above what you would have to pay to replace the roof.

I was in the insurance adjusting business and the majority, if not all, of the insurance companies do not have a "roof" deductible. They do have a windstorm/hurricane deudcitble which is usually a % of your homes value. For example if you have a $300,000 policy and a 5% wind deuctible the deuductible is $15K. If something falls from a plane and hits your roof your regular deductible should appy.

[New Englander]

Originally Posted by willbush

Architectural shingles are a premium type of asphalt shingles that last 25 to 30 years. This is what we have on our roofs in The Villages. I have USAA and our shingles are 12 yrs and they have no problem. 10 yrs is total Bull.

[chet2020]

We just bought a home in TV, roof about 20 years old, building inspector report indicated roof was in "excellent" condition. We had no problem getting home insurance. Maybe we were just lucky. When I compared the cost of our policy with the policies of our friends in TV, I think we paid a slight premium, maybe $100/year more than if we had a new roof.

[Challenger]

Originally Posted by Stu from NYC

Blame the crooks who get the insurance companies to pay to replace roofs on 10 year old houses.

The rest of us get to hold the bag in the form of higher home insurance costs.

Right On.