[rpalumberi]

Originally Posted by retiredguy123

I have Progressive through The Villages insurance. No major increases in 6 years.

They did provide a better rate than my current insurer, however, on the sinkhole rider their deductible was 10% of dwelling (which I'm told is fairly normal) while mine with Castle Key is $2,500. Our increase was substantial as well but we're hoping that's temporary due to the supply chain mess (building supplies like lumber in particular) Washington doesn't know how to fix.

[Nordhagen]

Originally Posted by Arctic Fox

Cypress Insurance Group has just increased our annual premium by 56%

No claims; roof now one year old

Who do you recommend?

Thank you

Call Elly at Trident Insurance 954-773-9434.
Independent agency. Has saved me hundreds over State Farm and Geico.

[MrFlorida]

Go with Kin, great rates, all of our neighbors use them.

[gatorbill1]

Originally Posted by jdulej

I'll second the vote for Progressive. But, also shop around a bit.

Originally Posted by asianthree

Our homeowners increased by $1800. We called Kin, recommendations from 6 friends. Not loyal to any insurance, so if I am not happy at renewal, will review what’s available

we went to Kin after being with Villages Insurance agency companies for 10 years - get better customer service without local agent, and better prices for insurance. I now have flood insurance added to policy and paying less total for year than before I switched.

[gatorbill1]

Originally Posted by NoMo50

Yes.

Progressive would not give me sink hole coverage - said had to have a home where no sink holes were within 5 miles. Hard to do in most areas of TV

[Skip]

Originally Posted by Topspinmo

All insurance quotes are up and it due to all scam roof replacements

I had my 21 year old roof replaced by my insurance company more than a year ago and my insurance premium this year went up $24 without any coverage change.

Insurance companies are much smarter than the scam roofers.
If your roof was damaged by a storm, your insurance company will repair it or replace it.

Skip

[Fast Freddy]

Thanks for comments about Kin Insurance, it's so new we were not sure of its financial backing. Good first year rate but do they then increase second and third year rates without claims?

[snbrafford]

Originally Posted by Arctic Fox

Cypress Insurance Group has just increased our annual premium by 56%

No claims; roof now one year old

Who do you recommend?

Thank you

I had a similar experience with a different insurer that indicated they would not renew my HO insurance due to the condition of my 12 year old roof. I contacted my agent and got the decision reversed but "saw the writing on the wall". I shopped around and am finding that insurance companies in FL are reluctant to write on homes with "old" roofs (I had my roof inspected and it is fine).
I went with AAA (after trying other companies). I did get some discount being a AAA member and I did convert my auto policy to AAA too in order to get the bundle discount. I saved money on both policies going with AAA. I also switched my liability umbrella policy to AAA also and saved a little money.
After the policy was in force, they did sent someone out to take pictures of the roof but I never heard anything from that.

[asianthree]

Originally Posted by Fast Freddy

Thanks for comments about Kin Insurance, it's so new we were not sure of its financial backing. Good first year rate but do they then increase second and third year rates without claims?

We are on our first year with Kin. Even if my rates double next year, it’s still $998 less than any other insurance.

[MrFlorida]

Originally Posted by Fast Freddy

Thanks for comments about Kin Insurance, it's so new we were not sure of its financial backing. Good first year rate but do they then increase second and third year rates without claims?

Second year with Kin, my insurance went up $82.00.

[Scbang]

Originally Posted by Vikingjunior

There is old saying. "If you can't beat them join them. You should've gotten a free new roof like everyone else.

My insurance is canceling me after 8 years of prompt payment and not getting back a penny. Who can give me a free roof before the cancellation date?

[Topspinmo]

Originally Posted by Skip

I had my 21 year old roof replaced by my insurance company more than a year ago and my insurance premium this year went up $24 without any coverage change.

Insurance companies are much smarter than the scam roofers.
If your roof was damaged by a storm, your insurance company will repair it or replace it.

Skip

Yes, insurance companies are smarter. It cheaper to replace roof that litigation in most cases. The roof scammer know this.
I Had no roof replaced and it when it 650 plus bucks. The agent said the main reason it when up was due to all free roofs. Yes maybe few roofs needed replaced, but the majority ( IMO 90% didn’t need replaced). Couple shingles replaced IMO.

Another thing, villages covers wide area. I can only react to what happen in my area. Some area may had had more damage the others when got 20 mile swath. In my area only few shingles got ripped off (coiple at most) Some claimed peas size hail damages their roofs. Peas size hail don’t damage anything, not even my pepper pants at the time do the so called hail storm.

[Topspinmo]

Originally Posted by Scbang

My insurance is canceling me after 8 years of prompt payment and not getting back a penny. Who can give me a free roof before the cancellation date?

See, that should be against law. But, thanks to lobbyists insurance gets away with it.

[Topspinmo]

Originally Posted by asianthree

We are on our first year with Kin. Even if my rates double next year, it’s still $998 less than any other insurance.

But, the question he’s asking will the pay when disaster happens or will the claim bankruptcy?

[asianthree]

Originally Posted by Topspinmo

But, the question he’s asking will the pay when disaster happens or will the claim bankruptcy?

If anyone has an answer to will all insurance companies pay if a major disaster happens in TV is a question not one of can answer. Until it happens. My family owns multiple independent agencies. Gave us an evaluation on companies who to use. We own more than one home in TV, not one has the same insurance company.