[kkingston57]

Originally Posted by oneclickplus

And THAT right there is the *real* truth.

They want you to buy a new roof out-of-pocket so you have no incentive to scam them for same.

Very poignant.

[mtdjed]

Originally Posted by jebartle

Had Farmers, who is leaving state of Florida, found Nsure agent in Boca Raton, after wind mitigation and 4 point inspection on our 80 year roof (Tile) and house, was approved by Citizens and saved $800. I know there will be a conclusion to Citizens but REFUSE to replace an 80 yr roof after 22 years, when this ride ends, we will self ensure and will send many letters to the state of Florida, for whatever that is worth, other than making us feel better.

I am looking at Citizens. It seems that they are not a private Home Insurance Company, but rather a state run insurance company. Several things bother me. First, their offer says that they do not cover sinkhole. No distinction between Catastrophic or gradual. Second, they have a provision that they can increase their premium by up to 45% due to a natural disaster . AAA insurance person indicated they were not a good option.

Any good words?

[csricksdds1]

I emailed this guy and got no response!

[kkingston57]

Originally Posted by mtdjed

I am looking at Citizens. It seems that they are not a private Home Insurance Company, but rather a state run insurance company. Several things bother me. First, their offer says that they do not cover sinkhole. No distinction between Catastrophic or gradual. Second, they have a provision that they can increase their premium by up to 45% due to a natural disaster . AAA insurance person indicated they were not a good option.

Any good words?

Good words is that they have to accept you even if all other insurance companies will not accept you. They are the insurance company of last resort and if they go belly up you will be protected(or should be protected by the State of Fl.

[mtdjed]

So I am the starter of this thread. New input. I found my original procurement documents and specsof my house in The Villages. Our house was built in 2006 near lake Sumter Landing. The roofing shingles were Owens Corning Oak Ridge 30 year Shingles with matching shingle Ridge Vent. Interested to knowing if that is the standard for homes at that time in The Villages?

Checked what 30 year shingles means. First, they state that warranty must be registered within 60 days of procurement. Who would think of doing that when buying a new house. Second must be installed in accordance with their process. I wonder if our builder was obligated or documented as doing this. Do not think this will go anywhere but will be discussing with The Villages warranty office.

This info may be of interest of new buyers who happen to think about their roof 20 plus years from now. Just like me 17 years later.

[Papa_lecki]

Originally Posted by mtdjed

So I am the starter of this thread. New input. I found my original procurement documents and specsof my house in The Villages. Our house was built in 2006 near lake Sumter Landing. The roofing shingles were Owens Corning Oak Ridge 30 year Shingles with matching shingle Ridge Vent. Interested to knowing if that is the standard for homes at that time in The Villages?

Checked what 30 year shingles means. First, they state that warranty must be registered within 60 days of procurement. Who would think of doing that when buying a new house. Second must be installed in accordance with their process. I wonder if our builder was obligated or documented as doing this. Do not think this will go anywhere but will be discussing with The Villages warranty office.

This info may be of interest of new buyers who happen to think about their roof 20 plus years from now. Just like me 17 years later.

I think the 30 year warranty works like this - if you are 20 years into the 30 years, you would pay for 1/3 of the new shingles, BUT, you would need to pay for the labor to install.

[mtdjed]

Originally Posted by Papa_lecki

I think the 30 year warranty works like this - if you are 20 years into the 30 years, you would pay for 1/3 of the new shingles, BUT, you would need to pay for the labor to install.

or would that be pay 2/3 of the new shingles?

[Papa_lecki]

Originally Posted by mtdjed

or would that be pay 2/3 of the new shingles?

You are right, you would pay for 2/3, warranty covers 1/3

[Gatorfan1]

Originally Posted by Randall55

What year was your house built? Some of my friends are having a difficult time getting insurance because their homes were built before 2002. Homes built before 2002 were not constructed under Florida's stricter codes.

If your home was built in 2002 or later, did you ask the agent why the roof inspection was rejected? Perhaps, you can fix the reason without replacing the entire roof.
I'm not a lawyer, but it seems, at the very least, State Farm owes you an explanation.

352-245-2423, They will shop for you.

[melpetezrinski]

Originally Posted by Arctic Fox

Do you now have home insurance through State Farm?

Yes, it was purchased 3 months ago.

[jaj523]

I have PROPERTY insurance through State Farm, which I got last year, so your statement is untrue.

[JRcorvette]

Originally Posted by mtdjed

I am looking at Citizens. It seems that they are not a private Home Insurance Company, but rather a state run insurance company. Several things bother me. First, their offer says that they do not cover sinkhole. No distinction between Catastrophic or gradual. Second, they have a provision that they can increase their premium by up to 45% due to a natural disaster . AAA insurance person indicated they were not a good option.

Any good words?

Stay away from Citizens Insurance! An insurance policy is only a piece of paper until you have a Claim. That is where you find out what you were paying for. I know after handling claims for 36 years.

[Blueblaze]

Originally Posted by mtdjed

So I am the starter of this thread. New input. I found my original procurement documents and specsof my house in The Villages. Our house was built in 2006 near lake Sumter Landing. The roofing shingles were Owens Corning Oak Ridge 30 year Shingles with matching shingle Ridge Vent. Interested to knowing if that is the standard for homes at that time in The Villages?

Checked what 30 year shingles means. First, they state that warranty must be registered within 60 days of procurement. Who would think of doing that when buying a new house. Second must be installed in accordance with their process. I wonder if our builder was obligated or documented as doing this. Do not think this will go anywhere but will be discussing with The Villages warranty office.

This info may be of interest of new buyers who happen to think about their roof 20 plus years from now. Just like me 17 years later.

Your previous post said that your roof had been inspected and they found no problems beyond the fact that your 30-year roof is 17 years old. Whether on not the warranty is in effect is valid, there is nothing for them to pay out on. Your argument is with State Farm -- and all of your neighbors who stole new roofs from their insurance companies on the basis of some crooked roof salesman.

And, no, 30 year roofs are not the norm in The Villages, outside of the luxury village where you live in near Sumter. But what is the norm is the way they are installed under Florida law, which far exceeds anything in the manufacturer's warranty document. A 20 year warrantied roof is easily good for 30 years, even without Florida windstorm codes. Your 30 year roof would go 50, if the only thing the insurance company cared about was whether that roof is serviceable.

Think about it -- your new car is probably only warrantied for 3 years. Does that mean it should be thrown away 2 years from now? My 2008 Ranger has been out of warranty for 12 years, but the only maintenance it has ever required was oil changes, tires, and a battery now and then. I've certainly never had an insurance company reject it because it was approaching the end of the warranty. Know why that is? Because it's never had a comprehensive policy that promised to replace it with a new Ranger on the word of any random door-to-door car salesman!