[bowlingal]

Just left AAA. their increase was unacceptable. Went with Farmers Insurance, No roof requirement and mine is 14 years old

[J1ceasar]

Just estimates on charts .
So far:
My hot water heater 20 years
My roof 22
My wife ????

[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.

[Girlcopper]

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.

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?

Just renewed with a 16 yr old roof. I have no idea who would have told you that

[ithos]

Originally Posted by Girlcopper

Just renewed with a 16 yr old roof. I have no idea who would have told you that

For AAA it only applies to new policies. I should have made that distinction in my post.

[NY2TV]

I shopped around and couldn't get a new policy because of the age of my roof so I have to keep renewing with current carrier even though rate increases were 25% per year for the past 2 years.

[rrb48310]

Originally Posted by NY2TV

I shopped around and couldn't get a new policy because of the age of my roof so I have to keep renewing with current carrier even though rate increases were 25% per year for the past 2 years.

And then they’ll tell you that you’ll have to replace, it happened to neighbors down the street. But then you’ll be able to choose any company you want. It’s legal racketeering.

[Captainpd]

Originally Posted by Girlcopper

Just renewed with a 16 yr old roof. I have no idea who would have told you that

The original post was about NEW POLICY, NOT RENEWABLE

[wsachs]

I went with State Farm last year. They did a roof inspection and got the policy. My roof is 13 yrs old in Hemingway. Said it was in great shape

[ithos]

Originally Posted by wsachs

I went with State Farm last year. They did a roof inspection and got the policy. My roof is 13 yrs old in Hemingway. Said it was in great shape

That is the first time I have heard of a policy being contingent on a roof inspection. It seems so much more logical than basing it solely on age. There are so many other variables that affect the integrity of a roof.

[nn0wheremann]

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?

Farmers insures my 17 YO roof. Not too expensive.

[davephan]

Originally Posted by Babubhat

Useful life chart of components of a Florida house

InterNACHI's Estimated Life Expectancy Chart for Florida Homes

That’s lists central conditioners only lasting 5 to 12 years. Five years seems way too short for the central AC lifetime in Florida. I’ve heard that central AC in Florida should last 10 to 15 years in Florida, maybe longer if you’re lucky!

[JMintzer]

Originally Posted by J1ceasar

Just estimates on charts .
So far:
My hot water heater 20 years
My roof 22
My wife ????

What kind of warranty did you get on the wife?

[irishwonone]

Originally Posted by davephan

That’s lists central conditioners only lasting 5 to 12 years. Five years seems way too short for the central AC lifetime in Florida. I’ve heard that central AC in Florida should last 10 to 15 years in Florida, maybe longer if you’re lucky!

Air Conditioners are replaced regularly at five years in Florida for those person’s who live on or very near the Ocean. The salt moisture tends to destroy their units. I do agree that living in the Villages they will last much longer.

[ThirdOfFive]

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?

We insure with Progressive and were told of the "10 year rule" as well. Not an issue for us because the roof had been replaced only a few months before we bought our house.