Was told by a reputable local roofer that if you have damage on 3 or more slopes, the insurance would cover a whole new roof (and any damaged plywood under the failed shingles that they later discover during removal). Local companies like Batterbee and McHale will do a close inspection, mark the damage and tell you if you are probably eligible for insurance replacement (less your deductible). They've been around a long time and know the ropes. They are friends with the insurance companies not adversaries like the "door-to-door" guys.

Good luck, Skip.

When we bought, our inspector did a roof wind mitigation report. We sent that to the insurance company.
I dont think the MAIN issue is water penetration (its an issue, but not their primary concern) -
its wind. Will the roof withstand a wind storm? They’re not worried about the cost of the roof, its the cost of replacing the inside, if the rood blows off

Very informative. I upvote you.

I moved from an area that was 3 miles from the Gulf of Mexico because I got tired of dealing with Citizens Property Insurance (the state run which is the only one who would insure us). the only wind damage I ever had was a turbine vent blew off. now one of my friends during a real storm (not what we get here) did have her roof blown off but no one else near her did...it was a freak instance. she, of course, got a new roof and coverage for all repairs inside, as she should.

we live in probably the safest place to be regarding storms. while they have happened, the number of roofs being replaced for "storm damage" defies logic. it is insurance fraud but the people indulging in it rush to tell you how the door to door roofer found "storm damage". Batterbee said some of these people even have tools that cause the damage so the insurance company pays.

again, a roof is a major investment. I'm going to treat it like any other major home improvement and get estimates from local, reputable companies who will stand by their work. in my neighborhood, that may make me the chump who didn't get a "free" roof, but I won't need to worry about being pennywise and pound foolish.

I am from the northeast. Wind and shingles is not an issue there, our insurance challenge is trees falls due to excess ice or winds.
I knew about hurricanes in FLA, but not worried about them so much in TV. I was surprised to hear all the talk about wind and shingles.

No they won’t on HO policies

Seems like you are responsible for it anyway, so what is the point of having the insurance, right? All insurance seems like a scam. You pay on time, they fight not to pay for what you paid for. Seems like there should be a better way!

BEWARE !!! If a roofer or roofing company rep knocks on your door looking for your business, HE IS BREAKING THE LAW. Soliciting homeowners for new roofing is illegal in Florida. It's a relatively new (2 years) law passed by the legislature and fully endorsed by our governor.

Also, the reason your homeowner's insurance has gone crazy is mostly due to these roofing companies "guaranteeing" a new roof that they say your insurance company will cover.

Get wind mitigation with Village inspector, then get Kin Insurance. Our previous insurer insisted on new roof if our insurance would continue, Village insurance was broker, needless to say, we did not get new roof. Kin was cheaper, coverage was more...

Federal judge blocked the law in July.

Judge blocks key portion of Florida property insurance law

Good catch!

Anyone know how often to have your roof's Wind Mitigation Report done? Is this a one time check of your rafters or does it need to be updated every few years?
Anyone have this done recently? What was the cost of the inspection report. How much in premiums did it save?

Tnx, Skip

Who is 'they' and what won't they do?

No wind damage in the northeast? I guess I was just dreaming about those BOMB CYCLONES

in addition - none of those companies start work until the insurance company approves the replacement .

that's because YOU not your insurance company allowed it. so you're the sucker in that case. Also no they will not take the roof off the insurance - it's part of the house, that's insane.

All insurance companies of any worth have a standing rule now, and it's not because of these 'replace your roof" guys it's all the Floridians that for decades allow their roof to go to crap and then find an event to have their roof replaced for free by the insurance company. Decades this has been the scam, now it's done. If your roof has 5-6 years left they won't unsure it. One good storm and they are replacing it.

So in reality, the original roofer found no damage - you are stuck roof needs to be replaced. That's the end - otherwise you can go through the insurance scam (as it's been called in this state) where you find a cheap company that will insure the home and not care the roof is too old.... good luck because when the chips are down they won't come through. I've seen it many times over the years. I had a neighbor do this and on vacation their dishwasher somehow went nuts and they came home to a flooded house - covered? Nope they went with the cheap guys over $40,000 in damages (initially, ended up when all said and done $60,000) every dime they had to pay.

Good luck getting out of it - not any more.