Talk of The Villages Florida - Rentals, Entertainment & More
Talk of The Villages Florida - Rentals, Entertainment & More
#16
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We have had over 90 homes in our villa community replaced using this process. Including mine. No roofing company was involved. I called my insurance company, filed a claim, they sent out an adjuster, he approved a new roof, company sent me a check, I chose my own roofer, and had the work done. I controlled the entire process.
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#17
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My rate just went up more than 20% without ever having filed a claim and I am having trouble getting quotes from other companies because my roof is 13 years old because so many roofs are being replaced through insurance claims!
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#18
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New Roofs
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#19
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Re-roofing and lightning protections systems
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You should also be aware that door-to-door installers of LPS may not have installed your system according to NFPA-780, The National Standard on Lightning Protection Systems. If that is the case you should be prepared to pay the cost to bring the system up to the above national standard. |
#20
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No Integerity with American Integerity
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I was forced to choose American Integerity because they were the only company that would insure a home with a roof over 15 years old. I was prepared and going to replace my roof this year (19 years old), but there was some wind damage so we filed a claim. Not insurance fraud real damage, our claim was approved but for replacement of the shingles that were damaged not including additional shingles that would break. So I replaced my roof, canceled American Integerity and got an insurance company with Integerity.
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Never grow up, cause in the immortal words of John Cougar, Mellencamp... "Growing up leads to growing old and then to dying, and dying to me don't sound like all that much fun" |
#21
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With this near fraud, [and you know it is] surely the carriers are going to figure it out and change the language of the policies. Maybe they need to do it now. So that instead of getting a new roof you will get the depreciated value. If a roof has a 20 year life and it is 15 years old when a wind damages it, you get covered for 1/4 of the cost as you have used 3/4 of its lifespan. It is the same process as if you total your car. You don't get paid for a new car to replace your 15 year old car. Everyone would be crashing their car if this were the case. Now everyone is "crashing" their roof and we will all pay in higher premiums.
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Men plug the dikes of their most needed beliefs with whatever mud they can find. - Clifford Geertz |
#22
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Atlas Chalet shingles defective
Starting around 2000-2007 many homes were roofed using Atlas Chalet shingles.
They were found to be defective and there was a class action suit. The manufacturer was ordered to pay out boatloads of money to repair/replace the shingles. Many homeowner were not aware so they did not file a claim. Insurance companies have been replacing these roofs all over the country. Perhaps these people having theirs replaced fall into that category. They will leak over time, they crack easily and the tar around the nails bubbles and pops leaving the home vulnerable to leaks and mold. Insurance. Companies would rather replace a roof than deal with internal water damage and mold which could be more expensive. |
#23
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Read Fla. Statute 627.7152
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Penna. until '68, Florida since '73. |
#24
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If they’re charging $15-$20k you should look for a new contractor. Assuming they are replacing your roof with a laminate shingle.
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#25
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#26
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Ohiobuckeye
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#27
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#28
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if you have integrity nothing else matters....if you don't have integrity, nothing else matters
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#29
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Have a reputable roofer examine your roof. He will tell you if there is sufficient damage to file an insurance claim. Last spring I had a person come to my door and told me a similar story. I called the a local roofer and asked him to examine my roof, which he did and said there was sufficient wind damage to file a claim. I did file the claim, and the roofer and my insurance company worked together to agree to terms. I did pay my deductible which was small compared to the cost of my new roof. My roof was 19 years old at the time. The entire roof was brought up to current code and architectural shingles and more extensive venting installed.
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#30
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Most of these claims are due to a hail storm that came through in the past year. You likely wouldn't notice - but if the shingle is damaged over time a) granules will dislodge, b) the UV sun will destroy the asphalt underneath and c) the roof will leak. Surprisingly, 20% of all new roofs in the United States are replaced by insurance due to hail damage. This is especially true in states like Florida, Texas, Oklahoma, etc. Hope that helps.
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