[Skip]

Be careful, if you say the damage was done during Hurricane Irma (or any other named storm) you have a much higher deductible and therefore more cost to you.

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[cndlou3]

Originally Posted by KRM0614

Most people come here use the villages other revenue streams like their HO ins brokers bank etc that’s the first mistake

Get your own HO ins go to progressive save at least 50% over the villages brokers

One of the reasons you have people trying to get your business is the more services you get thru the TV the more they sell your personal data which the sleazy vendors buy and then bother you. I moved here a year ago paid cash and not one person has knocked on my door. The only sleazy vendor I got was the phony card about checking your water ! I even got the villages to stop sending me junk mail about current listings. So now I only get the junk in the mail now.

We do not use the Villages Brokers for insurance. We use an outside agent and are very pleased with them. We got the water scam also and the poor lady thought she had us for a little bit and when we told her no, you would of thought we popped her balloon. LOL

[Bilyclub]

It's the rise of Public Adjusters that is forcing the insurance company to replace a lot of roofs.

When to Hire a Florida Public Adjuster

[Chi-Town]

It seems that some people believe that insurance companies have no concern as to their desired rate of return and are easily bamboozled or loose with their claim payouts. Just the opposite is true.

[1oraleejn]

FYI, our homeowners insurance is REQUIRING that we replace our water heater, even though there is nothing wrong with it, and it is under a warranty! We thought that they were just mad that a storm went through and they have to replace our 19-year-old roof.

[Topspinmo]

Originally Posted by 1948JDG

OMG, Can't imagine what the insurance rates will be out West after all the fires are out. I don't think it would be a good idea to rebuild in that area.

It’s going to affect all insurers with those companies, rates will go up everywhere. That’s how it works. They have really good lobbyists.

[Topspinmo]

Originally Posted by 1oraleejn

FYI, our homeowners insurance is REQUIRING that we replace our water heater, even though there is nothing wrong with it, and it is under a warranty! We thought that they were just mad that a storm went through and they have to replace our 19-year-old roof.

All I can say is shop around for different insurance company.

[Topspinmo]

Originally Posted by Chi-Town

It seems that some people believe that insurance companies have no concern as to their desired rate of return and are easily bamboozled or loose with their claim payouts. Just the opposite is true.

Well, I agree most of us are easily bamboozled by fine print on insurance companies policies.

[Topspinmo]

Originally Posted by charlieo1126@gmail.com

A 45% jump hmmmmm I suggest you get another insurance company , my home is entering 3rd year this month and went down a little band I go through villages insurance hmmmmm

Maybe you’re been over paying all along.

[EdFNJ]

Originally Posted by KRM0614

Get your own HO ins go to progressive save at least 50% over the villages brokers

Cannot agree with you there from MY experience. My HO came up in July. I have Travelers with Villages Ins. for my 3rd year (with sink-hole coverage 10% ded). I personally priced out 7 or 8 other companies giving them IDENTICAL $ for $ coverage limits to compare. Some were local agents and some online. While Progressive was CLOSE every one was at least $80-$100 more than Travelers from The Villages Ins for IDENTICAL coverage INC sink hole. If Progressive was 50% less you most likely are not getting the exact identical coverage limits/deductibles etc. you had or something was messed up on your original policy. That is way too much of a delta assuming you are comparing identical coverages. Are you sure you are not comparing 2 x 6 month payments vs 1 x 12 month? Also Progressive wouldn't offer 10% ded sink hole coverage as part of the policy. Oh, and it has only gone up around $20 a year each year. Of course it hard to compare but we have a 2/2 frame construction and it's $780/yr. Did get some quotes around $550 but they couldn't match the coverages and no S.O. coverage.

[Ladygolfer93]

typo

Originally Posted by MNJohnson

When I received our homeowners policy and noticed the significant increase in our annual premium, I started doing some research. Please be aware that these roofing companies are preying on the elderly who will believe what they are told since most are unable to see the roof themselves. They are also having you sign an assignment of benefits saying that they will take care of your roof for you with no money out of pocket. The reason is that by signing that form, you are waiving your negotiating power and allowing them to charge your insurance company whatever they please for your new roof. This then raises everyone's insurance premiums. If you look at switching insurance companies now when your rates are high, you also will need a roof that is less than 14 years old for them to consider taking you. All of these claims and new roofs that probably weren't necessary are causing everyone's rates to go up.

I encourage you to google: assignment of benefits Florida, for more information on the form roofers are having you sign.

Be extremely cautious of people who come around knocking on your door offering services! Most are out to take advantage of you. Do your research and take your time with making decisions.

There are only about 3-4 hold outs in my neighborhood, those of us who know this is wrong, and that "creasing" is a normal result of wear and tear on a roof, it does not mean you have, or will have, a leak. Most folks are as happy as clams with their "free" roofs, and also happy their neighbors will be paying for their roof while they will get a lowering of their premium due to the new roof. The perfect scam. Someone mentioned to me that the Daily Sun actually ran an article on all of this. I didn't see it, did anyone notice this ? Was about a week or two ago I was told. Reputable insurance agent at a reputable agency told me this has been going on FOR EVER in Florida, all over Florida. The insurance companies, I was told, just "roll over" because Florida has no cap on court costs, litigation, etc. and the roofers make so much money they are able to "take care of everything" for the customer, including any court or legal matters. "Rolling over" for a roof that costs them on average less than 5K, is far less expensive than fighting one long court battle after another on the part of a home owner who "claims" storm damage". You are correct in your response, they require AOB's, assignment of benefits. That is a nightmare, it should be against the law, but people do it willingly all the time. A family member actually told me I was being foolish not to get my "free" roof. That in the end, my neighbors would all have a free brand new roof, and much lower premiums, while I would one day be stuck with at least 10K for a new roof and meanwhile have a 65% premium raise (which mine was in Aug.) even with a record of NEVER a claim, here or in any other state. Scam is right. I can't go along with the guy who came to my door, uninvited, and said, " I've been doing some work for a neighbor of yours and noticed you have some creasing going on with your shingles, if you would "authorize" me to take a closer look, I'd be glad to while I'm here anyway (so are you on the time my "neighbor" is paying YOU and using that time to come to MY door uninvited... hummm ??? Doesn't sound ethical to me. sounds like you say you are working for my neighbor and taking pay, but you are here at my house offering to look at my roof on his time, hummm. Hope my plumber does not go around to my neighbors while I am paying him to work on MY plumbing issue ! !

[Ladygolfer93]

Originally Posted by Chi-Town

An insurance adjuster checks your roof to see if needs repair
or a new one. It's up to them.

Exactly, and the reason they do not deny the claims is due to the unlimited time and money the roofers (not the home owners) have to fight them. Far cheaper (a broker/agent told me) for a company in a state like Florida (which needs insurance REFORM badly) to put on a roof that costs them maybe 4-5K, rather than get sucked into long legal battle. Thus AOB, the insurance companies WOULD "fight" the home owner, who rarely has the means to support such a legal battle. So they just "roll over" for the roof. They get some money out of it, the roofers keep their crews in work, and the real losers are the ones who know this is wrong and refuse to put in such a "claim"... if you know of no storm damage, the door to door roofer tells you "not to worry", they handle all that, they had several dates I could use when they came to my door ! ?

[newgirl]

Who is your insurance company??? I need to change mine, I had my kitchen flood and it took over 6 months of hell to get it fixed ! I am still waiting for a check.