[Anne Cink]

Originally Posted by Topspinmo

Yep, you missed something….

please tell us why

So, won't you please tell us how the scam companies wrangle the legitimate companies into giving their customers a new roof?
And, why on earth would someone trust a company that knocks on their door to do something as important as replacing their roof? Is the homeowner not allowed to choose their own roofer?

[richrjones]

Originally Posted by tophcfa

You should be concerned, the roof scam thing is out of control and having a huge impact on homeowners insurance premiums. DeSantis is forming a commission to investigate this and hopefully bring it under control.

Where is the scam occurring at. The roofing company inspects a homeowners roof and finds damage. Is this the scam? I don't think so.
The Homeowner based on this inspection, reports the damage and files a claim. Is this the scam? Nope.
The insurance company sends a adjuster out and they either agree or disagree with the roofing company. If agrees, Homeowner gets a new roof, if disagrees, a suit is filed to let the courts decide if this is a legitimate claim.
So far I do not see a scam in play here. The only thing I see is a few roofing companies being very aggressive in seeking out homeowners with damaged roof, so far not against the law.
They actually are doing a service for the Homeowners as without their inspection, the Homeowner would not know their roof was damaged to a point it needed replacement.
Neither the roofing company nor the Homeowner has created the loss, it is what it is, so where is the scam???

[Skunky1]

I sounded the alarm to my insurance company two years ago nothing happened. I see a roof going on today on a house that had architectural shingles in a neighborhood where the houses went up in 2007. I hear Homeowners brag that they got a free roof. If you have high insurance rates and didn’t get it free roof thank your neighbor That got a new roof for free!

[crash]

Originally Posted by Chi-Town

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.

The roofing company Sue’s the insurance company’s and it is more costly to defend the case than to pay for the roof. The insurance company also pays the roofers lawyers if they lose.

[noslices1]

Originally Posted by New Englander

I drove by the street adjacent to my Villa complex. Three houses close to one another are getting new roofs. The houses are either Designer or Cottage homes that were built in 2013/2014. What are the chances these three houses have bad roofs? My house insurance renews in six weeks and I'm concerned.

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.

[Madelaine Amee]

Originally Posted by noslices1

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.

I was in your position with my insurance company. I could not get anyone else to take me on. I went to the State, I tried everything, finally, after getting a new roof installed, my insurance company grudgingly renewed with me. It was a nightmare. I wish yu well in your search.

[irishwonone]

Originally Posted by richrjones

Where is the scam occurring at. The roofing company inspects a homeowners roof and finds damage. Is this the scam? I don't think so.
The Homeowner based on this inspection, reports the damage and files a claim. Is this the scam? Nope.
The insurance company sends a adjuster out and they either agree or disagree with the roofing company. If agrees, Homeowner gets a new roof, if disagrees, a suit is filed to let the courts decide if this is a legitimate claim.
So far I do not see a scam in play here. The only thing I see is a few roofing companies being very aggressive in seeking out homeowners with damaged roof, so far not against the law.
They actually are doing a service for the Homeowners as without their inspection, the Homeowner would not know their roof was damaged to a point it needed replacement.
Neither the roofing company nor the Homeowner has created the loss, it is what it is, so where is the scam???

Roofing repair schemes push Florida insurers to brink

[nsantelli]

Originally Posted by Chi-Town

I keep missing something. Why would an insurance company pay for a new roof if it isn't needed? It's not like they write a check without an inspection and determination. And they are in business to be profitable, not charitable.

Lawsuits. Read the POA lead article in this months Bulletin. The lawyers are what makes the scam possible,

[bowlingal]

Chi-Town....read the POA that was dropped in your driveway in the last couple of days. Do NOT ignore this paper, it has lots of important information about what goes on here in the Villages

[Topspinmo]

Originally Posted by noslices1

I have Farmer’s Insurance and they sent me a notice of non-renewal last month. It renews in August. They gave me no reason for non-renewal, but I know it’s the roof, as it is 17 years old. I am paying for a new roof that is being installed at the end of this month. Even with a new roof, Farmer’s has told me they will not reinsure the house, so I am shopping for new insurance.

Go get quote from AAA.

[Topspinmo]

Originally Posted by Skunky1

I sounded the alarm to my insurance company two years ago nothing happened. I see a roof going on today on a house that had architectural shingles in a neighborhood where the houses went up in 2007. I hear Homeowners brag that they got a free roof. If you have high insurance rates and didn’t get it free roof thank your neighbor That got a new roof for free!

There word I could use for them, but I will refrain from it cause I’m nice guy..

[Lindaws]

Maybe batch of bad shingles. This happened north of 466a years ago.

[Zipcat]

We have our insurance through USAA , it’s offered for military.
They do not have the ‘ replace your roof ‘ requirements.

[Rzepecki]

Originally Posted by tophcfa

You should be concerned, the roof scam thing is out of control and having a huge impact on homeowners insurance premiums. DeSantis is forming a commission to investigate this and hopefully bring it under control.

Yeah, this roof scam is a b***h! Insurance companies raising your rates and telling you it’s because your roof is 12 years old. Huh? But I have a 30 year roof. I have an inspection saying there’s no problem with my roof. Too bad, says the insurance company. Yeah? Too bad for you insurance companies. Shouldn’t start something you can’t finish.

[FredJacobs]

Originally Posted by keepsake

This roofing scam is affecting even those of us with metal roofs. I saw a $1,000 increase Jan 2022. Even thou it's the shingle roofs that the scam affects, insurance is making everyone pay for it.

Insurance companies are prohibited from increasing premiums on individuals. Instead, they "redline" an area and increase premiums on all policyholders in the redlined area. Health insurance companies use zip codes to calculate the premium because health costs vary by region. In both cases, if an individual policyholder becomes too expensive to continue to insure they just refuse to renew the policy.