[Back9]

I don't know all the details and angles, but I hear there is rampant "scams" involving roofing companies encouraging home owners to claim wind damage when it's really simply roof age, and then legally forcing the insurance company to pay for a whole new roof, something like that. Then insurance companies stop selling insurance, naturally. Sounds like a pretty botched law. Trial lawyers involved who hold sway in the state legislature.

[Boston1945]

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.

[retiredguy123]

Originally Posted by Boston1945

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.

I think they do allow some types of metal roofing. I would ask ARC about it..

[Back9]

Speaking of roofs, I'm in a similar situation and have a rubber roof. It's old, but I think it's just "worn around the edges".

One roofing company heard I had a rubber roof and said, "We don't deal with those. We can't help you." Then I suggested, "How about replacing with shingles?" ... "Oh sure, we can help you with that."

All my roofing estimates have said "new roof with shingles". But are they just saying that because I have a rubber roof, which they don't have expertise with?

Does anyone know of a roofing company that has experience repairing rubber roofs?

Thanks in advance.

[Back9]

Originally Posted by Boston1945

When will the Villages allow metal roofs? You do one roof and it will last you your lifetime.

I like that idea!

The Villages prohibits metal roofs?

[J1ceasar]

Because a new roof cost 10 to 15,000 and I guarantee you almost all the roofs that were put on were 20 or 25 year warranties

[Papahorse]

I just went through a customer service nightmare with Villages Insurance similar situation - ended up getting a new roof from McGinnis Construction and insurance from State Farm. VI just was not help at all, seemed like they just were not interested in our business anymore after 13 years with them

[SusanKD]

You are the 3rd homeowner to complain about this. This must be something new with insurance companies. This is happening in Florida and Virginia.. it seems the insurance companies are forcing to get new roofs iif old or get inspection to prove they are ok. I’m not sure of all the guide lines, but if you don’t replace your roof it could mean. Canceling your policy or paying a higher premium.

[retiredguy123]

Originally Posted by J1ceasar

Because a new roof cost 10 to 15,000 and I guarantee you almost all the roofs that were put on were 20 or 25 year warranties

The 25 year roof warranties are provided by the shingle manufacturer, not the builder or the roofer who installs the roof. In my opinion, the warranty is just a selling point and a sales gimmick to market the shingles.

[fifilebon]

This is not unusual in Florida. I have lived here for 32 years and have owned multiple homes, mostly rentals. Currently I have an insurance company sending in an inspection crew to do a roof inspection on one of my rentals in Brevard County. If I were to refuse them access then they would cancel me immediately. The insurance company is paying for the inspection. I am not worried because I replaced that roof about five years ago and I know it’s in good shape. On other homes where the roof was getting to about 15 years old I hired my own inspector before the insurance company did it for me. Seen as I was paying the inspector then it was his job to say the roof the plumbing and the electric were in good shape. But I agree with the other people on this thread. If your roof is 17 years old it needs to be replaced. That’s just how things are in Florida I’m afraid. Every time a hurricane blows through insurance companies end up buying a lot of roofs and they don’t like that. In 2004 there was a series of hurricanes that caused a great deal of damage in Florida. At that time the major insurance carriers try to cancel all homeowners insurance in Florida. Our governor at the time got a lot of legislation passed quickly that did not allow the insurance companies to do this. We are somewhat at their mercy but it’s not too bad in the villages. The coastal counties have a much harder time with purchasing and retaining insurance on their homes.

[richs631]

Originally Posted by fourjayranch

We received a letter today from the Villages Insurance stating that our roof needs to be replaced due to “wear and tear with granular loss.” The carrier is Cabrillo Coastal.

The roof is 17 years old. Last fall, I had the roof inspected by a local roofing company whose representative stated the the roof was in good shape and had an additional 2-3 years of life.

I plan on calling the Villages Insurance tomorrow, but I’m wondering if anyone has experienced something similar and how you handled it.

Change insurance companies. You’ll be surprised that your probably over paying. Insurance company just trying to get off the hook should your roof need to be replaced from a storm.

[diva1]

Originally Posted by retiredguy123

It sounds like it is time for a new roof. I don't think you have much choice. If the company who inspected your roof last fall was someone who knocked on your door unsolicited, don't hire them. McGinnis is a good company, but you should get at least two quotes from licensed roofers. And, whoever you hire, don't pay any money in advance.

Paying a deposit in advance is standard procedure.

[Lindaws]

The ins. company would make their assessment before approving the repair.

[retiredguy123]

Originally Posted by diva1

Paying a deposit in advance is standard procedure.

Not true. I would never pay a deposit to a roofer or any contractor in advance. McGinnis recently installed a new roof on a friend's house, and they completed the entire project before asking for any money.

In some cases, it may be appropriate to pay for a custom item that a contractor needs to order. In that case, I would only pay the deposit with a credit card with a guaranteed delivery within 60 days, so that I could dispute the credit card charge. If the contractor would not accept the credit card, I would find another contractor.

[mrf6969]

Originally Posted by Shine On Pressure Washing

Here ya go....
Roof Maxx
Asphalt shingles aren't what they used to be. In fact, they include less asphalt than they once did, so they dry out and fail faster than ever before. Fortunately, Roof Maxx's revolutionary new technology uses 100% natural plant based bio-oil to restore shingles' flexibility and instantly add five years of life to a roof. With three treatments possible, once every five years, Roof Maxx adds up to 15 years of added life to your asphalt roof.

The local owners of this company have been working with State Farm to help people in your situation. Insurance companies are getting burned by the roofing industry right now. If this scam persists or the laws aren't changed, These companies will eventually stop writing Homeowners Policies altogether. Most of the letters are blanket letters being sent to everyone with a 15-20+ year old home. The insurance company sometimes doesn't even realize a roof had already been replaced! I can't promise that they can help you but I know they will go to bat for you and your roof if they can revive it.

The price is peanuts compared to getting a new roof. This is not a scam, not a snake oil, you can get plenty of recommendations from their customers. They might just save you from spending over $10k on a new roof.

Check out Roof Maxx Roofing Company & Roof Rejuvenation | Roof Maxx then call Scott or Doug at 352-639-2777 or 603-396-5933

We work closely with this company and can honestly say that we believe in them and their product.

Shine On Pressure Washing

FYI the price for this application of "Roof-Maxx" is $2000.00 Said to last about 5 years.