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Originally Posted by Villager24

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.

With who?

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[RedChariot]

Originally Posted by vintageogauge

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.

Progressive plans on dropping us per their representative. Please share the name of the Progressive sister company that you went with. We are now looking for coverage. Thank You.

[nn0wheremann]

Originally Posted by ithos

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

before they pulled out of Florida, Farmers insured my 20 year old roof. When I replaced the roof they gave me a $500 more or less rebate of premium.

[OrangeBlossomBaby]

We can't get normal homeowners insurance at all because we're in a manufactured home. But we use Allstate for both cars and both golf carts. The premiums for our cars are just about the same as they were up north. Our golf cart insurance is negligible.

Both hubby and I have been Allstate customers since before we even met - my family was with Allstate, so was his, when we were kids.

The only time I didn't have Allstate was when I lived in Boston, and had Nationwide. If I remember right, it was because Nationwide's office was closer and the state regulated premiums so it really didn't matter which agency I chose.

[justjim]

I heard from a friend of a friend who has a manufactured home and was told his friend couldn’t get homeowners insurance at all. Apparently this isn’t true. Of course, you can always self insure. It would seem that it would be very difficult to sell your home if the new owner couldn’t get insurance.

[Gatorfan1]

Originally Posted by RedChariot

Progressive plans on dropping us per their representative. Please share the name of the Progressive sister company that you went with. We are now looking for coverage. Thank You.

Tower Hill, Slide, Cabrillo Safe Harbor, Universal NA.and Secutity First have good premiums and they are long time stable companies in Florida.

New companies in Florida will have rate increases as they do business in Florida and experience cost of claims, reinsurance cost, etc. that is why you see large increases on renewal. Some new companies come to Florida and elect to leave quickly when they realize the cost of doing business.

Having an agent that you can sit down with and talk to is a plus. If you get a new roof get a wind mitigation inspection. Also a 4-pt inspection for homes built prior to 2002 will help. Again, find an agent who stays on top of the market, laws and knows how to help you get best premium.

[rjm1cc]

I read my AAA policy a little while ago. It is less than a year old. You should read yours and see what it says. As I recall they can not cancel for just the age of your roof if your roof is under 15 years old. But if it pass an inspection at 15 years you can go for another 5 years with no cancelation. Look for a section on policy cancelations.

[Plinker]

Originally Posted by lkagele

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.

We had Allstate up North for auto coverage. An uninsured motorist hit us and we had to hire an attorney and file a lawsuit against Allstate. A police officer was in front of us and witnessed the accident. It was a personal injury case and we had multiple doctors all arrive at the same diagnosis. Allstate denied there was an injury. The case took 4 years to resolve. Arbitrator found in our favor. They postpone and postpone, hoping you will give up. Moral of the story? Allstate claims you are in good hands. Unfortunately, we only got one finger.

[retiredguy123]

Originally Posted by Plinker

We had Allstate up North for auto coverage. An uninsured motorist hit us and we had to hire an attorney and file a lawsuit against Allstate. A police officer was in front of us and witnessed the accident. It was a personal injury case and we had multiple doctors all arrive at the same diagnosis. Allstate denied there was an injury. The case took 4 years to resolve. Arbitrator found in our favor. They postpone and postpone, hoping you will give up. Moral of the story? Allstate claims you are in good hands. Unfortunately, we only got one finger.

I had Allstate auto insurance for 27 years until they raised my rate by 32 percent. I switched to State Farm and reduced my premium by more than 50 percent. By the way, uninsured motorist insurance is optional in Florida, so I don't buy it.

[OrangeBlossomBaby]

Originally Posted by justjim

I heard from a friend of a friend who has a manufactured home and was told his friend couldn’t get homeowners insurance at all. Apparently this isn’t true. Of course, you can always self insure. It would seem that it would be very difficult to sell your home if the new owner couldn’t get insurance.

Manufactured homes are insured with mobile home insurance. It's a different type of insurance. They can't be insured with the same kind of insurance that covers a free-standing house.

[Becca9800]

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!

Originally Posted by Caymus

A 10-year-old roof in Ohio?

Yep. Ask for Pam at McQuire Group in Sylvania, OH.

Look what you Floridians have done to the rest of us! Your roofing scams and hurricane risk is spreading everywhere. I'm kind of kidding. But not really.

[Gatorfan1]

Originally Posted by OrangeBlossomBaby

We can't get normal homeowners insurance at all because we're in a manufactured home. But we use Allstate for both cars and both golf carts. The premiums for our cars are just about the same as they were up north. Our golf cart insurance is negligible.

Both hubby and I have been Allstate customers since before we even met - my family was with Allstate, so was his, when we were kids.

The only time I didn't have Allstate was when I lived in Boston, and had Nationwide. If I remember right, it was because Nationwide's office was closer and the state regulated premiums so it really didn't matter which agency I chose.

What year is your manufactured home?

[Caymus]

Originally Posted by Becca9800

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!



Yep. Ask for Pam at McQuire Group in Sylvania, OH.

Look what you Floridians have done to the rest of us! Your roofing scams and hurricane risk is spreading everywhere. I'm kind of kidding. But not really.

90% of the roofs in Ohio are probably 10 years or older. I need to check the stocks of shingle manufacturers.

[Jayhawk]

Originally Posted by waterflower

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.

You have suggested this in at least 3 different threads. How is getting it started going?

[ithos]

If your vehicle gets in a wreck, the insurance company will pay no more than the market value. It will not pay for a brand new vehicle of the same model.

It should be the same with roofs. If it has to be replaced completely then it should be pro rated. Would make insurance much more affordable.