[Topspinmo]

Originally Posted by Andyb

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.

Now you can but there was about year that wasn’t an option. I got letter saying they wasn’t going insure my house, Until state outlawed it. Then, exodus began and will continue IMO.

[tophcfa]

Originally Posted by Topspinmo

Depending on area most roofs last way longer than 15 years. They don’t all sudden go bad at magic 15 years it’s under estimated guess used by insurance company’s.

Agree, but the intense sun and summer heat in Florida really does beat the living crap out of shingles. We have 30 year architectural shingles on both our home in Florida and Massachusetts. The Florida homes shingles are 14 years old and look very old and tired and when I clean out the gutters the are packed with shingle granules. The roof will probably function as needed for another 5 or 6 years, but there’s no way it will last anywhere near 30 years. The Massachusetts home’s shingles are 17 years old and they still look like new and when I clean out the gutters I only see a few shingle granules. Those shingles should easily last 30 years.

I am a strong proponent of insurance companies pro rating roof replacement coverage based on the shingles age. It would protect insurance companies from the roofing scam and help keep them from pulling out of the Florida market and keep premiums reasonable.

[OhioBuckeye]

I even heard some people couldn’t get Home Ins. until they also got a new Water Heater because it had some age on it. I always thought the old saying was if it’s not broken don’t fix it. It just seems like we’re being controlled by everyone but the owners. But I know sometimes owners bandaide fix things just to get rid of them!

[snbrafford]

Originally Posted by tophcfa

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 $$$$$$.

I had n 11 year old roof replaced last year. Several neighbors had had theirs replaced before and I too am thinking "scam". I had had an insurance company (prior to the new law) drop my coverage due to 10 year old roof and had to search for a new company. We were thinking about selling and knew that the roof could be a sticking point so we had two companies inspect our roof and both found wind damage. We called our insurance company who agreed with the damage and to replace the roof. Not all replacements are scams! I am hopeful that new installation requirements will mitigate wind damage and the FL will somehow "fix" the insurance crisis.

[tophcfa]

Originally Posted by OhioBuckeye

I even heard some people couldn’t get Home Ins. until they also got a new Water Heater because it had some age on it. I always thought the old saying was if it’s not broken don’t fix it. It just seems like we’re being controlled by everyone but the owners. But I know sometimes owners bandaide fix things just to get rid of them!

The common denominator between a roof and a water heater is that if they fail the result can be thousands of dollars of collateral water damage to other parts of the home. They are not just covering the replacement value of the roof or water heater, they are covering the entire home. I’m not defending insurance companies, but they are in business to make money. If they are legally required to take on unprofitable risk they will either pull out of the market or jack premiums up through the roof (no pun intended). It’s a balancing act between protecting homeowners and keeping insurers risk and profitability at reasonable levels. Under current Florida laws it’s obvious that insurers feel their risk profile is unmanageably high or they wouldn’t be pulling out of the market.

[kp11364]

Originally Posted by CoachKandSportsguy

Friends just bought a used house in TV.

Couldn't not get insurance due to the roof. . for whatever specific reason, unknown. .

Sellers relented to install a new roof to push the sale through.

Might be the new sales condition for sellers. .
Keep that roof in tip top condition and up to date with the insurance company!

So the buyers (or the buyers real estate agent) tried to verify insurance coverage with the current insurer or contacted Villages Insurance to verify and were told to pound sand? Was this a spelled-out contingency for the sale?

I will be in the same spot (hopefully soon) and want to know what's the best order to assure I can get insurance.

Thanks!

[Topspinmo]

Originally Posted by snbrafford

I had n 11 year old roof replaced last year. Several neighbors had had theirs replaced before and I too am thinking "scam". I had had an insurance company (prior to the new law) drop my coverage due to 10 year old roof and had to search for a new company. We were thinking about selling and knew that the roof could be a sticking point so we had two companies inspect our roof and both found wind damage. We called our insurance company who agreed with the damage and to replace the roof. Not all replacements are scams! I am hopeful that new installation requirements will mitigate wind damage and the FL will somehow "fix" the insurance crisis.

Aaaaa, the old wind damage, was it leaking, did you loose shingles? . O mean the corners was lifting up when they prying on them.

[wamley]

Kin, might be honest, but their not cheap if you roof is over 15yrs old.

[La lamy]

Originally Posted by Number 10 GI

A properly installed metal roof will last 40 to 70 years. Friends of ours in Tennessee had a metal roof installed on their house. It did cost more than asphalt shingles but when you consider how long they last it is worth it. The roof was imprinted to look like regular shingles, and at a casual glance you couldn't tell it was metal. The metal roofs don't look like the silver corrugated metal used on a barn. I don't understand the resistance in TV to metal roofs. Is some one getting kick backs on roof replacements? I can't think of any other reason.

For me it's the excess noise of rain against the metal roof that would be a problem.

[Rzepecki]

Originally Posted by tophcfa

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 $$$$$$.

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.

[Shimpy]

Originally Posted by mickey100

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]

Originally Posted by Rwirish

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]

Originally Posted by La lamy

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]

Originally Posted by Rzepecki

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]

Originally Posted by Number 10 GI

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.