Using Home Depot or Lowes or any other Contractor TO the actual installing contractor just means you are paying a profit to 2 companies. Deal with Local.

Just wondering why shingles are used if you must replaced your roof every 15 years?
I lived in the Virgin Islands before moving here and we have no roofs with shingles, anywhere.
I've got a wood roof with a elastomeric coating on my home there.
The roof is 69 years old.
I pressure wash (annually to keep clean as we collect rain water from our roofs to supply our cisterns with water) and reapply the elastomeric coating every 5-6 years. Other homes have metal sheeting, cement roofs or clay tiles for their roofs but you won't find a single home on our islands with shingles.
We had both Hurricanes, Irma and Maria, go directly over the VI in 2017 creating major damages.
My roof stayed on, luckily, as not many did, but all it needed was pressure washing and reapplying the coating.
The VI climate is similar, we have rainy and dry seasons, many tropical storms, high wind conditions.
Why are shingle roofs so popular and widely used in FL?

"a roof in Florida is good for 15-17 yrs."
Hogwash. Old wives tale. Incorrect rumor.
Villagers are being scammed Re: Roofing, every day. (I just retired from 42 yrs. in the business - in Cen. Fla.)

valuable info, thx 4 posting

roof was new but we just had to replace a pristine water heater, not even any rust on the metal catch tray, because of it exceeding a certain age. otherwise the insurer was gonna cancel us.

Quality roofing in Ocala is the best

Interesting topic. I've no doubt the insurance companies and roofers are all wanting to maximize their profit at our expense.
I thought this was an interesting link, to use copper strips near the roofline. I wonder why that isn't used more?

Copper Roof Strips Shingles Adds 40 Yrs to Shingles - AsktheBuilder.com

Our insurance doubled with American Integrity, we switched companies and just had a new roof put on last week. So hopefully good for awhile. Had McHale Roofing do the job and are very please highly recommend them.

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With insurance any insurance company. You are dealing with their risk of loss assessment. They do not all used the same risk assessment. You can bet they track we are loosing a lot of customers and they are going to xyz company.

As to blaming roofers etc. People are all the same. We would be shocked if the insurance company said, I needed a raise s we raised your rate to cover it. Oh and I'm glad you called I just wanted to thank you. Sometime reality sounds foolish but it is still
reality.

A simple answer. The price of copper has gone through the roof-accidental play on words. We buyers are the problem. One guy bids ??? 20,000 on a roof. The other guy uses copper, drives the nails by hand etc and he is 25,000. Will people, will we pay the extra 5,000.

I am not an expert. Our previous home had copper leaders and gutters. They were still fine after 40 plus years. I paid extra to have the roofer use copper. Usually they use nothing or aluminum. Aluminum plus copper, you have a battery, one metal the more active one ???? the aluminum, will desolve over time due to electrolysis.

We all have trouble with this concept. Things have a service life. In a plane for example,
a Jet engine must be replaced at, if, I recall 10,000 hours. Imagine, if when you book a flight they said we are betting your life we can get ???? 12,000 out of it.

Trucks, they actually analyze the oil to know when it is due to be changed and what is wearing abnormally.

Typically we all have the water heater in a closet with the AC air handler. If your hot water heater fails, cost to replace about $1000, it can cause a great deal of damage
till you notice it or get home from your vacation from being retired.

What do you mean by a pristine water heater? And, by the metal catch tray, are you referring to the drain pan under the water heater? A water heater corrodes from the inside and can start to leak even though you don't see anything wrong on the outside. The main reason to replace a functioning water heater is because of its age. A new water heater will operate more efficiently and will be less likely to leak and cause damage to your house.

We have tile, Villages insurance called, said roof needs to be replaced, we reminded agent that our roof was tile, stuttering followed. I think insurance company and roof industry are in cohoots.

Metal roofs in Village of Caroline....hmmm!

I'm sure as most posters, we've paid insurance premiums for 50 years without one claim, what a racket!!!!!

The Villages Insurance is not an insurance company. They are insurance agents that quote from various insurance companies that they represent.

"Villages Insurance" isn't the one who creates your rates, they are just a broker. So "they" didn't double your rates your insurance company did, they simply send you the bill. They rep many companies. My insurance THROUGH Villages Insurance is from Travelers and went up $5.46 in my July 2020 renewal. Of course I have no idea what this July will bring.

Dump them , village insurance company, well let’s say average at best IMO:ohdear:

That good sales pitch for roofing companies.

And take there cut. Like buying through second middle man.

Yea and no. I compared 2 companies direct and through brokers last year and both rates were the same. Notably Progressive but forgot the other (I think it was some company based in South FL). Don't think they "add on" but do get a couple points discount from the insurance company for writing the policy. That PLUS the guy said his insurance DOUBLED. You think any insurance broker just will double it, or +25% or +50% just for fun ? Highly doubt that. All that will do is cost them a customer.

I was in the insurance business and hope that this might be a remedy to the demand that homeowner pay for a new roof. Our insurance company is claiming that we might need to replace a 5-6 year old roof in order to keep the same policy.

If you can get a metal roof, make sure you do not have any over hanging oak trees. The acorns hitting the roof might sound like a constant drumming

We've never had anything like this either in any other state ! Built home here, upgraded to 25-30 yr. shingles, now 17, didn't trust the "door to door" guy offering a free "inspection and free roof" ( for filing a false claim for some non existent "storm damage" and offered us several "dates" of storms to choose from ??? This did not sound legit of course, so hired a highly recommended inspector and paid him. Roof was fine, sound, etc. Apparently, American Integrity would have preferred we turn in a false claim for "storm damage" because they raised our premium 300% at ONCE this year ! Lived in three states previously during career, never have encountered anything close to this, and have never had a claim. Something is very wrong with insurance here for sure !

Is a metal roof allowed?
 

We have a new build in Monarch Grove do not really worried about this but I know that the new metal roofs are very durable should outlast us all. Only question is are they allowed here?

I have a villa and I was wondering if you would share what you paid to have your roof replaced on your villa. Any recommendations on a roofing company? Thanks for the info!

The reality is - many insurance carriers got burned with likely thousands of roofs replaced in The Villages in the past few years - and were having to pay 50% premiums versus retail rates. Most of those roofs that were replaced "free of charge" likely were near the end of their "life" for property protection. So - it is not surprising there is a focus on roofs. In Texas and Oklahoma for example, many insurance companies put a substantial deductible for roof replacements.


A few thoughts:
a) Nobody can know if there are 2-3 years left on a roof. (I ran the largest roofing company in the country.)
b) Despite what the "label" says - most roofs in Florida last 15-20 years.
c) A primary reason for premature roof failure is not enough ventilation in the attic:
* Heat trapped.
* Shingles literally "fry."

Hope that helps.

CentiMark Corporation: ?
Headquartered in Pittsburgh, PA, Centimark Corporation is the largest commercial and industrial roofing company in North America with over 85 offices in the United States, Canada, and Mexico.

Replacement Cost
 

The insurance industry shot themselves in the foot when they decided to include roofs in Replacement Cost coverage rather than Actual Cash Value. Even if the shingles are well past their expected life, the policy language specifies replacement with new material. Piecing in new shingles with old is often impossible, due to availability of color and texture. The only fix is a complete new roof. Your insurance policy has become a maintenance contract, and insurers are raising rates to cover. The same applies to siding and garage doors.

Same thing happened to me when we bought our court yard villa in Sept., 2018, age of roof 22 yrs. Our ins. was cancelled several months later indicating roof needed to be replaced even tho we had it inspected before closing. Checked with other agencies but wanted a new roof. Had roof done in March 2019 with McGinnis Roofing. Done in one day. Very satisfied, and ins. company was able to insure our home.

I was not referring to actual warranty but actual life of shingle. (30, 40, 50) year shingle. The houses here could and do support 50 year shingles, which are heavier than a 20, 25 yr shingle, but not as heavy as a 200 lb man ( or several) walking on and working on a roof. What would present a problem regarding weight would be a Vermont slate roof which would last up to 100 years. This would need extra framing to support this weight. Being in the construction industry for over 35 years (hands on) I have learned that roofing and shingles are only as good as the installer putting them on. If I were to pay for a 40yr or 50yr roof and insurance company told me I had to replace after 15yrs. I would fight this.

Reality: Shingle mfrs. warranty the MATERIAL for 25 yrs. (3-tabs) and 30 yrs. (architecturals). They know that the material will last that long. You are unlikely to get a workmanship/leak warranty from an installer for much over 5 yrs. Actually, if it's going to leak, it most probably would have done so withiin the first 5 yrs. Unusually rough weather is the only thing which would shorten the life of any shingle. Mfrs. "lifespan" test their products for worst case scenarios, so saying that shingles last 15 yrs. IN FLORIDA SUN, is an old wive's tale.

NO shingle mfr. reccomends ANY coating type "topping" on ANY shingles.

Marketing BS.

Never had this on any home I have ever owned

Yes..my neighbor told me he was haveing difficulty renewing his insurance due to the age of his roof. House built in 2006

New Roof
 

Yes I have to agree with you, that is a very good way to think about it..Have a happy day...

This tells you a lot about home that are being sold before they are not being inspect
 

This is very important that home you buy especially if you pay by cash it should be inspected by licensed building construction inspector even if it is a brand new one, they see what you don't see or know. Pennywise dollar foolish.

My premium just increased 50%. Like others have mentioned there are a lot of new roofs going up in my area and companies have come soliciting, which I have ignored. Roof age & insurance coverage is a reality nationally, especially in coastal communities.

It’s very challenging these days insuring homes. I’m an Allstate Agent soon to be living in TV. The reality is most carriers do not want a shingle roof over 10 years old. Your roof must have a minimum of 3 years of useful life and many carriers require 5. I’d be happy to provide you a quote if you’d like. I’m Holly Richardson and am the property manager at Lisa Faina Allstate Agency. Please call me 954-437-9220 ext. 308 or email hrichardson4@allstate.com. I work from home pre pandemic and will continue to do so in TV.