[dguerini]

1yr ago, we moved to TV. Called State Farm to obtain a comparative quote for homeowners and possibly bundle w/auto/golf car. Previous owner had new roof installed in 2020, but State Farm said the installer didn't use the required amount of underlayment to allow them to quote a homeowners policy. Insurance is quite frustrating in FL.

[pauld315]

Originally Posted by Stu from NYC

Blame it on the roof scam

As word spread in TV back around 2018 - 2020 that you could get basically a free roof by using one of these unscrupulous roofers, I warned everybody that they would soon be paying for their neighbor's roof. I saw it happen in NC when I lived there. Unfortunately, it was like a domino effect and now we all pay.

[pauld315]

Originally Posted by dguerini

1yr ago, we moved to TV. Called State Farm to obtain a comparative quote for homeowners and possibly bundle w/auto/golf car. Previous owner had new roof installed in 2020, but State Farm said the installer didn't use the required amount of underlayment to allow them to quote a homeowners policy. Insurance is quite frustrating in FL.

No, the roof was most likely replaced by an unscrupulous contractor who provided a "free" roof to the existing homeowner. It probably never had a permit pulled and therefore there was no inspection of the work.

[jrref]

Originally Posted by 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.

For my new renewel, Progressive now has the roof pro-rated as you stated. I had a choice, pay the renewal with a very small increase with the roof pro-rated or pay a huge renewal without the roof pro-rated.

[ithos]

I like that option. Will check it out.

[jrref]

Originally Posted by ithos

I had progressive and they canceled my policy. Was never offered that option.

Interesting. I wonder why the renew some and not others.

[ithos]

Originally Posted by jrref

Interesting. I wonder why the renew some and not others.

Maybe there is an insurance agent reading this thread who can enlighten us.

[Blueblaze]

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

American Integrity added a rider that completely excluded the 13-year-old, recently inspected roof, the same year they passed the new law, and then doubled my rate. I repeatedly complained to the state insurance commission and never got a response. I switched to Kin.

We've lived here 4 years, and over time we've learned that nearly all of our neighbors got a free roof during the scams that came through 2018-2019 -- which was about the time our previous owner died. It must have been a bonanza for scammers, like nobody's ever seen. It's a wonder anyone can get insurance anymore.

Nobody prosecuted the scammers and now nobody prosecutes the insurance companies. Law is meaningless if nobody enforces it. There's a lesson there.

So who knows if my new insurance company would actually pay a real claim. Why would they? But good news, everybody! They don't enforce the new tort reform law, either, so I can just call Morgan and Morgan when my house burns down (and fork over 50% of the payout)!

[Gatorfan1]

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

They gave companies that will write

[Margefrog]

If you are an AARP member thry could refer you an insurance company.

[tophcfa]

Originally Posted by Pairadocs

My "guess", probably not worth much, is they CAN refuse anyone regardless of "laws" ?

That is correct, they price risk as they see fit to access risk. They can refuse a homeowner because they feel they already have too much non diversified exposure within three blocks of the home should a tornado run through that particular neighborhood. The policy they just wrote for your neighbor could be the last policy they are willing to write within that specific neighborhood, while they would be happy to write a new policy a mile away.

[gorillarick]

Originally Posted by Stu from NYC

As a wise man once said, aint no free lunch

Yeah, somebody can get a free lunch, but someone else will be forced to pay for it. Maybe all of us.

[gorillarick]

Originally Posted by 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.

Seems fair, and would save a lot of cancellations and ridiculous premiums.
Why would anyone think they should get a brand new roof for free, or a brand new car?
We're all paying for this selfishness now.

[Salty Dog]

Originally Posted by OrangeBlossomBaby

We can't get normal homeowners insurance at all because we're in a manufactured home.

I have a manufactured home and it's been insured with Foremost since 2021. They are affiliated with Farmers, but unlike Farmers, they are not leaving the state. It is higher than a site built home insurance though.