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.