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