Originally Posted by davem4616 (Post 1740148)

if you have integrity nothing else matters....if you don't have integrity, nothing else matters

Originally Posted by Mumbles (Post 1740145)

Hmm. Should attorneys take a tougher oath: "First, do no harm."? Has worked reasonably well for physicians.

Originally Posted by Leslie peikin (Post 1740199)

I think that, by law, insurance rates cannot be raised because of an "act of God" which would be the case in an insurance claim for a roof damaged by wind, hail, etc.

Originally Posted by Leslie peikin (Post 1740199)

I think that, by law, insurance rates cannot be raised because of an "act of God" which would be the case in an insurance claim for a roof damaged by wind, hail, etc.

Originally Posted by retiredguy123 (Post 1740012)

I am curious as to why insurance companies don't warn their customers about the pitfalls of signing an "assignment of benefits" agreement that roofers present to the customers? It seems like the right thing for insurance companies to do. Do they not have any influence or control over these contractual agreements?

Originally Posted by Warren (Post 1739565)

I have noticed that many of my neighbors, just south of Lake Sumter, are receiving new roofs from their insurance companies. I was approached by a roofer wanting to file a claim for me for the dammange of "past" storms. He claimed he could get my deductible, as well. He indicated that he has a lawyer, out of Tampa, who handles the claim application on my behalf. My roof is 14 years old. they picked at the edges of the tabs to see if they were loose and take lots of pictures. I could see no obvious signs of damage. I can't imagine any adjuster paying a claim. Seems like insurance fraud to me.

Originally Posted by Warren (Post 1739565)

I have noticed that many of my neighbors, just south of Lake Sumter, are receiving new roofs from their insurance companies. I was approached by a roofer wanting to file a claim for me for the dammange of "past" storms. He claimed he could get my deductible, as well. He indicated that he has a lawyer, out of Tampa, who handles the claim application on my behalf. My roof is 14 years old. they picked at the edges of the tabs to see if they were loose and take lots of pictures. I could see no obvious signs of damage. I can't imagine any adjuster paying a claim. Seems like insurance fraud to me.

Originally Posted by Kahuna32162 (Post 1740036)

All original roofs, in The Villages, North of 466 are between 17 and 20 years old. Insurance companies, like American Integrity, are refusing to renew or write new homeowners policies unless the roofs are replaced. We have had 2 major wind events in the last year, one last August and then again in early February of this year. Many roofs show damage from those events and may be eligible for an insurance claim.

We did file a claim and, right now, are waiting for the decision from the adjuster who came out and inspected the roof. It's not a given that they will replace the entire roof. In some cases they might only be willing to repair the obvious damage. It's kind of a crap shoot. We are working with a roofer, who was present when the inspection was made and was able to point out the issues he had observed.

If all goes well, and the need for replacement is confirmed, we'll just be responsible for our $1000 deductible. If not, it's a 15k to 20k job. :(

The bottom line is, everybody whose home was built North of 466, and still has the original roof, will need to replace it in the next 3 years or so. Start budgeting accordingly.

Originally Posted by ts12755 (Post 1740437)

Dont ruin it. Saved a lot of us Thousands of dollars. The insurance companies have to pay claims otherwise they've got to reduce the rates

Originally Posted by Leslie peikin (Post 1740199)

I think that, by law, insurance rates cannot be raised because of an "act of God" which would be the case in an insurance claim for a roof damaged by wind, hail, etc.

Originally Posted by rmd2 (Post 1740443)

I have AI insurance and I had to pay a $4,500 deductible.