[Priebehouse]

Originally Posted by mtdjed

For those of you looking for more reasonable home insurance and have roofs 15 to 20 years of age, this is an update of State Farm. I got a song and dance of how they do not reject simply because of age and believe that a roof is good until it is defective. They offer a program that allows you to hire one of their qualified independent inspectors ($125). I did that and got a report that said my roof was good for at least 5 more years and perhaps more if I replaced ridge caps.

Waited about 3 weeks after submitted by inspector to State Farm and got reviewed by underwriters of State Farm. They rejected the inspection report and said they would insure only if I replaced the roof.

That after I was told that no one in The Villages that they had represented previously had their roof rejected if they had a satisfactory inspection.

I just wanted to debunk that urban myth. A Villages roof was rejected under 20 years of age even though inspector said it was good for five years.

For what is worth????????

I contacted them for a quote after my 23% increase from Florida Family. My roof is 4 years old and the home was built in 2000. The response I got was "State Farm is not insuring homes built prior to 2003". La-de-da!

[KYWildcat]

State Farm is trying to make up their losses in Florida in year 1. My State Farm auto policy that was due Oct 1 of this year increased 30% from prior year. I have never had a claim on any of my auto policies.

[Dlbonivich]

Maybe I am missing something, why would you go through all of this hassle to keep a company that doesn’t want you? Call other companies and get other quotes and move on.

[JRcorvette]

The Villages need to change their policy and allow Metal and Tile roofs. It is absolutely shameful that they don’t!

[waterflower]

With all the intelligent retired business people living in The Villages, why; hasn't people grouped together and start their own private insurance company.
That is what State Farm and the rest of the companies do.
65,000 insured homes. 1 year= 65,000X $4,000=$260,000,000

[OrangeBlossomBaby]

Originally Posted by JRcorvette

The Villages need to change their policy and allow Metal and Tile roofs. It is absolutely shameful that they don’t!

I have a metal roof. Manufactured homes can have metal roofs, but you have to live in a village that allows manufactured homes. You also have to accept that *homeowners* insurance is not *manufactured home* insurance, and most insurance companies don't insure manufactured homes at all.

[Arctic Fox]

Originally Posted by JRcorvette

The Villages need to change their policy and allow Metal and Tile roofs. It is absolutely shameful that they don’t!

I asked ARC about having an aluminum roof and they said I could as long as it was one that looked like a "normal" roof, rather than sheet metal.

There are also several tiled roofs in our neighborhood.

Whether or not the insurance companies will still want you to replace metal or tile after 15 years...

[Arctic Fox]

Originally Posted by waterflower

With all the intelligent retired business people living in The Villages, why; hasn't people grouped together and start their own private insurance company.

Self-insurance is fine if the assets are widely-distributed. Having them all in one location is a recipe for disaster.

[Arctic Fox]

Originally Posted by Blueblaze

I got a decent quote and switched to Kin because their policy protects them from scammers by covering the roof as a depreciating asset instead of"full replacement value". At least it's covered.

I have never understood why all insurance companies don't do this, unless it's not allowed under Florida law.

You wouldn't expect to get the "new" value for your 10-year old car if it gets totaled, so why a roof?

[jebartle]

Originally Posted by mtdjed

For those of you looking for more reasonable home insurance and have roofs 15 to 20 years of age, this is an update of State Farm. I got a song and dance of how they do not reject simply because of age and believe that a roof is good until it is defective. They offer a program that allows you to hire one of their qualified independent inspectors ($125). I did that and got a report that said my roof was good for at least 5 more years and perhaps more if I replaced ridge caps.

Waited about 3 weeks after submitted by inspector to State Farm and got reviewed by underwriters of State Farm. They rejected the inspection report and said they would insure only if I replaced the roof.

That after I was told that no one in The Villages that they had represented previously had their roof rejected if they had a satisfactory inspection.

I just wanted to debunk that urban myth. A Villages roof was rejected under 20 years of age even though inspector said it was good for five years.

For what is worth????????

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.

[Cliff Fr]

[QUOTE=JRcorvette;2275840]The Villages need to change their policy and allow Metal and Tile roofs. It is absolutely shameful that they don’t![/QUOTE
I remember walking thru the model home village on Spanish Springs years ago. The houses were Key West style with metal roofs. Are they still there?

[RUCdaze]

Is anybody using Kin Insurance? What are your thoughts? Experience? Appreciate input.

[Sandy and Ed]

Originally Posted by Blueblaze

I think State Farm was probably telling you the truth when they said they don't care how old your roof is. I have yet to hear a valid excuse for why any insurance company would care how old the roof is, unless it's obviously on the verge of leaking. If it was installed according to current code, a 30-year-old roof is no more likely to be ripped off in a tornado than a new one. The reason FLORIDA insurance companies don't like old roofs is because FLORIDA CITIZENS have a habit of scamming their insurance company out of a roof when they want a new one.

State Farm has always been notoriously picky about who they deal with, as well as quick to drop someone who makes a claim. I think they probably give a much bigger weight to your insurance history than the age of your roof. It wouldn't surprise me if they told you the rejection was due to roof age when the real reason was a 20-year-old insurance claim they found in your record, that they didn't want to argue about.

Nobody tells the truth these days when a lie is easier.

Agree. Fraudulent or at least questionable claims contribute to an insurance company’s decision to no longer offer insurance in a marketplace. Some roofing companies will sell a roof replacement saying it will be paid by insurance and will be more than happy to “work with you” to make it happen. Always somebody out there to milk the system. Insurance, Medicare, Unemployment, you name it

[jebartle]

Originally Posted by RUCdaze

Is anybody using Kin Insurance? What are your thoughts? Experience? Appreciate input.

Had kin, DOUBLED premium, bye-bye kin!

[mbene]

How do you know when your roof needs to be replaced? When was the last time you inspected your roof? Have you read all the regulations agreed to by the insurance industry and the state legislation regarding when they have to replace a roof? No insurance company is going to pay for a roof replacement that doesn't meet the requirements they agreed to.
Just because someone knocked on a door and offered to inspect a roof then found that according to insurance industry regulations it was eligible for replacement doesn't mean it's a scam. I wouldn't know what to look for. What do you do, wait for a leak so you have to then replace the roof, and possibly underlayment, trusses, drywall and flooring?
Skip Smith has a Villages YouTube channel and on two different WNL shows he had insurance people on and one thing they said that shocked me was that something along the line for every $20 they spend on paying for a claim they spend about $70 to lawyers fighting your claims. This shocked me, I was amazed at that much going to fight your claims and second that they would admit that. Maybe they need to investigate what kind of scam the insurance companies and these law offices are running. Maybe they could afford to pay these claims instead of making lawyers rich.
These insurance companies made a lot of money over the years and now they have a couple bad ones and skip town.