Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Insurances and roofs (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/insurances-roofs-343446/)

Shimpy 08-17-2023 03:51 PM
Quote:
Originally Posted by mickey100 (Post 2246163)
I personally wouldn't want a metal roof in Florida, with the amount of rain we get. The metal roofs are substantially louder than asphalt roofs when it rains.
I like the sound of rain on the roof.

Number 10 GI 08-17-2023 04:39 PM
Quote:
Originally Posted by Rwirish (Post 2246479)
God forbid TV moves to metal roofs.
Have you seen any of the new metal roofs that look like regular shingles? At a casual glance you don't even notice that it is metal. With an expected life span of 40 to 70 years it makes a lot of sense.
I lived in Tennessee for 34 years and there are many very old houses with the old style flat metal roofs that have been on the house since it was built 50 or 60 years ago. Tennessee has it's share of tornados and straight line winds and those old roofs handled it quite well where as asphalt shingles were another story.
We had a metal covered roof pavilion in the back yard, 20 feet by about 12 feet. We had a severe straight line storm come through one night. Something like 75 houses, including ours, had to have new roofs, all were asphalt shingle. Our pavilion was blown down as were 8 large trees in the back yard. Not one sheet of metal came lose.

As I stated, the new metal roofs aren't the flat or corrugated barn roof metal, they are stamped with a regular shingle pattern and look just as good as an asphalt shingle roof. Apparently some like to replace their roofs every 10 or 15 years.

Topspinmo 08-17-2023 05:04 PM
Quote:
Originally Posted by La lamy (Post 2246782)
For me it's the excess noise of rain against the metal roof that would be a problem.

I had metal roof in Oklahoma wasn’t that much noisier. Only when hail got bigger than golf balls. Oklahoma weather 10 time worse than florida. In Oklahoma when you have tornado warning you get under ground. Singles roofs don’t have chance there. Replaced mine 3 times till I got metal roof.

Topspinmo 08-17-2023 05:06 PM
Quote:
Originally Posted by Rzepecki (Post 2246819)
Of course there are roof scammers everywhere, but they didn’t cause the problem with insurance companies. I’ve never in my long life been told by an insurance company that I have to replace my 30 year roof when it was only 15 years old, but that’s what Florida insurance companies did starting 2-3 years ago, thereby opening the door to scammers. The insurance companies created the problem.

Please tell me if, say, 10 years ago your insurance company said to replace your 15 year old roof or no more insurance. This was a new way for insurance companies to scam homeowners that blew back on them.
IMO insurance companies shouldn’t be able to stop selling insurance in states. It should all or none. That’s why I support single insurer.

Normal 08-17-2023 05:09 PM
Not Ideal
 
Quote:
Originally Posted by Number 10 GI (Post 2246855)
Have you seen any of the new metal roofs that look like regular shingles? At a casual glance you don't even notice that it is metal. With an expected life span of 40 to 70 years it makes a lot of sense.
I lived in Tennessee for 34 years and there are many very old houses with the old style flat metal roofs that have been on the house since it was built 50 or 60 years ago. Tennessee has it's share of tornados and straight line winds and those old roofs handled it quite well where as asphalt shingles were another story.
We had a metal covered roof pavilion in the back yard, 20 feet by about 12 feet. We had a severe straight line storm come through one night. Something like 75 houses, including ours, had to have new roofs, all were asphalt shingle. Our pavilion was blown down as were 8 large trees in the back yard. Not one sheet of metal came lose.

As I stated, the new metal roofs aren't the flat or corrugated barn roof metal, they are stamped with a regular shingle pattern and look just as good as an asphalt shingle roof. Apparently some like to replace their roofs every 10 or 15 years.

Metal roofing paint fades quickly in the Florida sun. Furthermore, when pieces peel off in a hurricane they tend to become lightweight projectiles while their counterpart asphalt shingles usually cling to the ground. Homes are too close for the catastrophe. Also, metal roofing is secured by less fasteners per square foot. An asphalt shingle is usually nailed down with two nails and is sized ar 12” by 36” or for every 3 square feet. Metal roofing required much less fasteners per square foot.

When a roof is damaged during a storm, who decides what is unsightly? What if a neighboring home has an ugly damaged metal roof , but it is serviceable? It’s a great thought, but there are too many reasons to not install them in Florida.

Stu from NYC 08-17-2023 05:18 PM
Quote:
Originally Posted by Shimpy (Post 2246840)
I like the sound of rain on the roof.
And singing in the rain!

Number 10 GI 08-17-2023 05:33 PM
Quote:
Originally Posted by Normal (Post 2246864)
Metal roofing paint fades quickly in the Florida sun. Furthermore, when pieces peel off in a hurricane they tend to become lightweight projectiles while their counterpart asphalt shingles usually cling to the ground. Homes are too close for the catastrophe. Also, metal roofing is secured by less fasteners per square foot. An asphalt shingle is usually nailed down with two nails and is sized ar 12” by 36” or for every 3 square feet. Metal roofing required much less fasteners per square foot.

When a roof is damaged during a storm, who decides what is unsightly? What if a neighboring home has an ugly damaged metal roof , but it is serviceable? It’s a great thought, but there are too many reasons to not install them in Florida.
A little bit of searching on Google:
The cost to repaint a metal roof can vary depending on the size of the roof, the quality of the paint used, and the amount of labor required. According to 1, the average cost to paint a metal roof is between $1.54 - $3.35 per square foot. For example, if you have a 1500 square foot roof, the total cost to paint it would range from $1,597 to $3,3042. The cost of labor is also a factor in the total cost of repainting a metal roof. According to 1, basic labor to paint a metal roof with favorable site conditions can cost between $150 - $363 for up to 3.2 hours1. Other costs to consider include power washing before paint application, which can cost between $0.50 - $1 per square foot3

That takes care of the fading problem and a whole lot cheaper than a new asphalt shingle roof. As far as a metal roofing blowing around, have you seen the aftermath of a tornado? There is all kinds of dangerous debris thrown in the air from the high winds. Tile roofs make some serious projectiles.

bob47 08-17-2023 05:57 PM
Quote:
Originally Posted by Rzepecki (Post 2246819)
Of course there are roof scammers everywhere, but they didn’t cause the problem with insurance companies. I’ve never in my long life been told by an insurance company that I have to replace my 30 year roof when it was only 15 years old, but that’s what Florida insurance companies did starting 2-3 years ago, thereby opening the door to scammers. The insurance companies created the problem.

Please tell me if, say, 10 years ago your insurance company said to replace your 15 year old roof or no more insurance. This was a new way for insurance companies to scam homeowners that blew back on them.
I believe you've got the order reversed. First the free room scams. Then insurance companies changed their rules.

Normal 08-17-2023 06:41 PM
Frequency
 
Quote:
Originally Posted by Number 10 GI (Post 2246882)
A little bit of searching on Google:
The cost to repaint a metal roof can vary depending on the size of the roof, the quality of the paint used, and the amount of labor required. According to 1, the average cost to paint a metal roof is between $1.54 - $3.35 per square foot. For example, if you have a 1500 square foot roof, the total cost to paint it would range from $1,597 to $3,3042. The cost of labor is also a factor in the total cost of repainting a metal roof. According to 1, basic labor to paint a metal roof with favorable site conditions can cost between $150 - $363 for up to 3.2 hours1. Other costs to consider include power washing before paint application, which can cost between $0.50 - $1 per square foot3.



That takes care of the fading problem and a whole lot cheaper than a new asphalt shingle roof. As far as a metal roofing blowing around, have you seen the aftermath of a tornado? There is all kinds of dangerous debris thrown in the air from the high winds. Tile roofs make some serious projectiles.
These are all great points, I just don’t want to rely on my neighbor to decide when he or she wants to repaint. A 1500 square foot home including a garage would equal about 2600 feet of roof area. That’s 7800 for a repaint at $3 a square. So a conservative idea would be about 10k to repaint every 10 years.

As far as weather? You will sit through hurricanes here. It could be zero or one, or as many as 3 or 4. Tornadoes don’t frequent the same spot for hours like hurricanes do?

We had a designer metal roof just before we sold up north and it was great. Down here, maybe not such a great idea?

CoachKandSportsguy 08-18-2023 03:20 AM
Quote:
Originally Posted by Topspinmo (Post 2246860)
I had metal roof in Oklahoma wasn’t that much noisier. Only when hail got bigger than golf balls. Oklahoma weather 10 time worse than florida. In Oklahoma when you have tornado warning you get under ground. Singles roofs don’t have chance there. Replaced mine 3 times till I got metal roof.
I listen to experience, and this experience seems logical and makes sense.
However, the initial cost is substantially higher. .

If we are still in TV when I have to replace a roof, this is what I will use. .

Blueblaze 08-18-2023 01:41 PM
Quote:
Originally Posted by tophcfa (Post 2245926)
My understanding is that your existing insurance company can’t dump you under the circumstances stated above. It doesn’t mean they have to offer coverage to a new customer. It’s only getting worse, Farmers will be sending out mandatory 120 notice letters to all existing customers with insurance through the Farmers name (not subsidiaries like Foremost) starting October first stating that they won’t be renewing ALL homeowners and auto policies in the state of Florida. So basically, everyone in Florida with a policy that renews after January 28, 2024 will be getting dumped. If they pull entirely out of the state, they aren’t bound by any laws to protect their former customers. So out goes one of the biggest insurance companies in the state, leaving countless residents looking for policies from other insurers who don’t want more exposure to that market. It’s a disaster scenario in the making, compounded by the rapid growth of the state.

At least our Farmers policy renews December first and our roof is 14 years old, so the law prevents them from dumping us until December of 2024. We are probably going to have to replace our still perfectly fine roof before then to get another company willing to offer us a policy. Thanks a bunch to everyone who participated in the new roof scam, your actions are causing us both a major hassle as well as $$$$$$.
You're understanding is incorrect. The law forbids them from rejecting a new customer based on the age of the roof, as well as dropping an existing customer for the same reason. But the law is meaningless, since they do it anyway because there is no enforcement. It happened to me.

Blueblaze 08-18-2023 01:45 PM
Quote:
Originally Posted by melpetezrinski (Post 2245982)
Just be prepared to go through the insurance hunting process again in 1 year. Kin was my former insurance company of 1 year before they increased my rate by over 100%. I now have State Farm, who insured my house with a 16 year old roof. I've owned my home for 5 years now and have had 4 different insurers.
Wouldn't surprise me a bit. But State Farm rejected it outright because it's a seasonal rental and not occupied for much of the year. I fully expect that like most homeowners in Florida without a mortgage, I will soon be forced to do without.

bcsnave 08-18-2023 01:50 PM
Quote:
Originally Posted by Blueblaze (Post 2247225)
Wouldn't surprise me a bit. But State Farm rejected it outright because it's a seasonal rental and not occupied for much of the year. I fully expect that like most homeowners in Florida without a mortgage, I will soon be forced to do without.
What in the "Blueblaze"-es is going on here. I would certainly hope you do not have to go w/o any insurance.

Blueblaze 08-18-2023 02:00 PM
Quote:
Originally Posted by kkingston57 (Post 2246205)
This depreciation in the Kin policy ACTS like a way to keep premiums lower. Wait till the homeowner has a claim for a new roof. Will have a good case of buyers remorse.
Why would you expect an insurance company to replace a 20 year old roof with a new one for free just because you had some storm damage?

If you left your 20-year-old Ford out in a hailstorm would you expect State Farm to give you a new car?

The only sane way to insure a depreciating asset it to depreciate the policy benefit. In fact, your premium should go DOWN as the asset is worth less. This is why collision coverage on 20-year-old Ford costs less than a new Ford.

Think about it -- the Florida insurance market couldn't have been destroyed by roof scammers if the only thing they got for discovering a loose shingle was a new shingle. 40 years ago in Oklahoma, a tornado removed half of the roof of my first home. Allstate replaced half a roof. That's what a sane insurance market looks like, and I bet that's how it was for the house you lived in before you moved to Florida.

OhioBuckeye 08-18-2023 02:04 PM
I agree with what you’re saying but, roof didn’t leak & neither did the Water Heater & this widow lady was moving because of children. Sounds like to me that Insurance Co. wants the expense burden on the present owner, in a way then why did TV people need Ins. But I do understand what you’re saying but like I was saying, why fix something that’s not broken, I thought that’s what Ins. was for to fix damage that Roof & Water Heater damages. Just doesn’t make sense to me!

tophcfa 08-18-2023 02:16 PM
Quote:
Originally Posted by Blueblaze (Post 2247224)
You're understanding is incorrect. The law forbids them from rejecting a new customer based on the age of the roof, as well as dropping an existing customer for the same reason. But the law is meaningless, since they do it anyway because there is no enforcement. It happened to me.
Thanks for correcting me. They can basically make up just about any reason they please to reject a new customer, or just set the premium so high it wouldn’t make sense to use them. The new law put into place to protect consumers is about as useful as internal deed restrictions in the Villages. Dam, there I go cross threaded again.

kkingston57 08-18-2023 03:38 PM
Quote:
Originally Posted by Topspinmo (Post 2246861)
IMO insurance companies shouldn’t be able to stop selling insurance in states. It should all or none. That’s why I support single insurer.
Single insuror? And who would that be?

tophcfa 08-18-2023 06:14 PM
Quote:
Originally Posted by Topspinmo (Post 2246860)
I had metal roof in Oklahoma wasn’t that much noisier. Only when hail got bigger than golf balls. Oklahoma weather 10 time worse than florida. In Oklahoma when you have tornado warning you get under ground. Singles roofs don’t have chance there. Replaced mine 3 times till I got metal roof.
Quote:
Originally Posted by CoachKandSportsguy (Post 2246960)
I listen to experience, and this experience seems logical and makes sense.
However, the initial cost is substantially higher. .

If we are still in TV when I have to replace a roof, this is what I will use. .
Random thoughts on metal roofs.

- They are great in heavy snow climates because the snow slides off them and you won’t get water dam backup damage. However, you need snow diverters over traffic areas because a snow slide could injure or kill somebody passing by underneath.
- They are great and easy to install on simple roofs without a lot of peaks and valleys and skylights/solar tubes, like a simple A-Frame home.
- A good quality and properly installed roof will last a lifetime. They come in multiple colors and styles. However, they typically cost 2-3 times that of asphalt shingles.
- The rain isn’t that loud if the roof is well insulated or has an attic between the roof and ceiling. I like the sound, similar to rain on a skylight.
- I don’t know this for fact, but I suspect they are not ideal in places with lots of lightning.
- When T&D built our pool, and installed solar heat for the pool, thy told me they won’t install solar on metal roofs.
- I’m not sure how the paint on the metal roof would hold up to the intense sun in Florida, at a minimum I suspect it would fade rather quickly.
- Regardless of how long the roof will last in Florida, it won’t do you any good if that fact is not recognized by your homeowners insurance company.
- I suspect you would have to get approval from the ARC to install one in the Villages.

Topspinmo 08-20-2023 07:35 PM
Quote:
Originally Posted by CoachKandSportsguy (Post 2246960)
I listen to experience, and this experience seems logical and makes sense.
However, the initial cost is substantially higher. .

If we are still in TV when I have to replace a roof, this is what I will use. .
I’m sure it is, mine was 14K back in 2002, I got 11K from insurance. Unless on coast or unusual weather drops in you house I say shingles are fine. My roof was 20 years old, looked good, was loosing little sand, but due to current situation I had to replace it to get insurance. Sure there was few spots where tar was not sticking (they called it wind damage) I just glued it back down.

margaretmattson 08-20-2023 08:10 PM
Quote:
Originally Posted by Blueblaze (Post 2247224)
You're understanding is incorrect. The law forbids them from rejecting a new customer based on the age of the roof, as well as dropping an existing customer for the same reason. But the law is meaningless, since they do it anyway because there is no enforcement. It happened to me.
Your statement is true. Your insurance is only valid for the time period stated on your policy. An insurance company, as with all companies in the USA, are free enterprise. There are no rules that state an insurance company must take in new customers or keep the ones they have. So yeah, the law is meaningless because the insurance company can easily find another reason to dump you or not offer policies to new customers.

As for the discussion on metal roofs, I believe there was an entire CYV section constructed with metal roofs near the Lopez Golf course. (Summertree or Springdale maybe is the name? not sure. This was many years, ago) I do not know what condition those roofs are in now or if they have been replaced with shingles. Have not heard about them in several years.

jebartle 08-21-2023 08:37 AM
Quote:
Originally Posted by margaretmattson (Post 2247944)
Your statement is true. Your insurance is only valid for the time period stated on your policy. An insurance company, as with all companies in the USA, are free enterprise. There are no rules that state an insurance company must take in new customers or keep the ones they have. So yeah, the law is meaningless because the insurance company can easily find another reason to dump you or not offer policies to new customers.

As for the discussion on metal roofs, I believe there was an entire CYV section constructed with metal roofs near the Lopez Golf course. (Summertree or Springdale maybe is the name? not sure. This was many years, ago) I do not know what condition those roofs are in now or if they have been replaced with shingles. Have not heard about them in several years.
Village of Caroline (across from Sumter Landing) has a couple of metal roofs. We have concrete tile roof, majority of roofs in South Florida are the same, very few here, not sure why, most are 80 year roofs. When the Villages insurance insisted on new roofs, we found another insurer, now that insurer is leaving Florida, so will self insure if that is only option. Wish we would have self insured 50 years ago (no claims) , we could have bought a house with savings, lol.

Karmanng 08-21-2023 09:57 AM
Quote:
Originally Posted by Blueblaze (Post 2245882)
Well, if the roof was bad, I'm glad the buyers get a new roof out of the deal. But it's more likely that they just couldn't find an insurance company that is willing to abide by the 2022 law that forbids an insurance company from rejecting coverage due to a 15-year-old roof that has 5 years of life left in it.

But good news! There is at least one honest insurance company left -- Kin. They just wrote a policy on my perfectly serviceable 16-year-old roof at a very reasonable rate. Unlike these moronic Florida companies that insist on writing full-replacement policies on a depreciating asset, Kin depreciates the coverage of the roof as it ages, so they don't have to worry about roof scammers.
I have KIN as mine is dwelling insurance.......they doubled me practically after my first year with them!!! I wont change it over to a normal policy yet as I dont know when I can move in yet. It maybe another rental but I hope NOT

Karmanng 08-21-2023 10:01 AM
Quote:
Originally Posted by Andyb (Post 2246564)
I got an old roof and have no problem with insurance. They may charge more for insurance, but you can still get it. You need to shop around.
Who do you have?


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