Quite common in Fla.

Same thing happened to me! You have no recourse . I had to pay to get a new roof on my villa. To add insult to I justly my policy has gone up too. This is all because many folks in TV claimed roof damage thru insurance. Now we who didn’t are getting the fall out.

What party has majority in state legislature?

So what happens if you pay extra for a 30, 40, 50, year shingle? Can they (insurance company) make you replace it? If so it would make people want to go go for a cheaper shingle?

Of course it is not my house or my wallet. Both are saying the same thing. Roof is 17 years old, has an additional 2-3 years of life. Obviously there is no date code on jan of 2024 your roof will fail. The insurance company says it will fail shortly we do not want to accept the risk for water damage.

I have a friend, in Florida, not the villages, who unlike me thinks like an accountant. He is aggressively putting money into an account, a pile to pay for the roof he will need in a year or three. Our homes are mostly ranch style a large roof for the square footage.
His home about the same as mine. A roof he figures is 25,000-OUCH.

We had a roof done on our previous home. Just beware of who you hire. I've read people saying it can be done for less than what Home Depo or Lowes will charge.
Reminder not in Florida so names do not matter.

I knew a friend? had just had a roof done. He highly recommended the people who did his roof. I contacted his guy. The estimate was higher than Home Depo or Lowes.
The work was TERRIBLE. We had leaks that damaged our plaster and paint etc.
They patched the leaks refused to fix the damage. After the job was done, we got a memo that if we recommend them to anyone and they book the job WE WILL GET A CHECK FOR ???? I THINK IT WAS ABOUT $500. My friend? he disappeared.

My point is beware. To do a roof they will remove the old roof. You are exposed.
If they then tell you the underlayment, plywood, today more likely chipboard need to be replaced and it will cost you another $$$$$$ you are not in a position to shop for a better price and they know it.

Yes, reputable companies like McGinnis won't ask for a deposit, but in Florida the law states that the roofer puts a lien on your house until the job is finished, inspected and paid in full. If you have an insurance claim, they will wait for that final check. Could be two extra weeks. You must sign that agreement, acknowleging you understand a lien goes on before the work is started. Suppose to protect both the roofer AND the homeowner. McGinnis is easy to deal with. Lien release was fast. Watch out for many of the Orlando roofers. They quote low, but then find "hidden damage" under the shingles. Guess what?

Skip

I have 42 yrs. experience in the business in Cen. Fla. Unless damaged by hail or some other severe weather, 3-tab shingles are considered to be a 25 yr. product and architecturals, 30 yrs. Shingle mfrs. warranty that - on a prorated basis, in their written warranties. Why would they do that if their products won't actually last that long? Some granule loss is not an indicator of impending failure. I have been on - or actually worked on, in excess of 10,000 roofs. You need an inspection report from an honest roofing company.

Like most warranties they are a gotchya. For roofing the shingles are half or so the cost of the job. To collect on a warranty, if, you do not use the company who makes the shingles to install it and their is a leak or a failure, the manufacturer will likely blame the installer. The installer, IF HE IS STILL IN BUSINESS, in the real world, it is highly unlikely, they would be, will blame the shingle manufacturer. Any warranty covers the shingles not the labor which is about half the cost. As to 30, 40 50 year roofs. They actually do exist
but you would not get such a warranty. A real tile roof can last that long. Most would not be willing to pay the cost and our homes are not designed to support the weight.

American Integrity tried almost doubling rates on us (there was no storm, BTW), so we changed insurance companies. TV homeowners insurance broker was no help, so we went with Farmers (Bumpa Dum Bum BumBumBum).

(a) I know of no roofing product which contains "rubber". (b) if it is white, it is likely one or the other of the many single ply materials. Some are poor quality, but most are very high quality. (c) if it is Modified Bitumen, that is also a high quality - 20 yrs.+ product. There is a minimum pitch criteria for shingles installation.

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.