[jameslewis]

Quality roofing in Ocala is the best

[JohnN]

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

[cndlou3]

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.

[DAVES]

Originally Posted by DIver0258

This does happen. We were with Villages insurance, they almost doubled our premium and stated they wanted the roof replaced to continue coverage. Some are blaming the roofers that are replacing roofs with storm damage running claims numbers up. We chose to insure with another company.

When we sold the property in July 2020, the purchaser had to sign a waiver at closing acknowledging that the roof was 12 yrs old and would need replacement in a few years.

.

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.

[DAVES]

Originally Posted by JohnN

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

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.

[DAVES]

Originally Posted by casamarietta

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.

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.

[retiredguy123]

Originally Posted by casamarietta

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.

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.

[jebartle]

Originally Posted by Boston1945

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

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.

[jebartle]

Originally Posted by Back9

I like that idea!

The Villages prohibits metal roofs?

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

[jebartle]

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

[Holpat39]

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

[EdFNJ]

Originally Posted by DIver0258

This does happen. We were with Villages insurance, they almost doubled our premium and stated they wanted the roof replaced to continue coverage. Some are blaming the roofers that are replacing roofs with storm damage running claims numbers up. We chose to insure with another company.

When we sold the property in July 2020, the purchaser had to sign a waiver at closing acknowledging that the roof was 12 yrs old and would need replacement in a few years.

"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.

[Topspinmo]

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.

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

[Topspinmo]

Originally Posted by sdeikenberry

In our neighborhood several homes sold required a new roof before the new owners could get insurance. Home insurance companies want to protect their investment, and an old roof can cause major damage inside the home if it fails during a storm...especially if the roof is the old 3 tab shingle. New shingles are much better at withstanding storms. And, if you're a homeowner, why wouldn't you want to protect your inside home also? The same logic for replacing a worn roof is the same as replacing those worn tires on your car...sure you might get another 5K miles, but is it worth the risk?

That good sales pitch for roofing companies.

[Topspinmo]

Originally Posted by EdFNJ

"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.

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