Talk of The Villages Florida
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Talk of The Villages Florida (https://www.talkofthevillages.com/forums/)
-   The Villages, Florida, General Discussion (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/)
-   -   Pre-2003 Designer Home issues? (https://www.talkofthevillages.com/forums/villages-florida-general-discussion-73/pre-2003-designer-home-issues-345743/)

Robnlaura 11-30-2023 10:39 AM
The biggest change
 
Quote:
Originally Posted by Randall55 (Post 2278089)
Some insurance companies will not insure homes built before 2003. They will quickly send you on your way. You may need to shop around.

If you are thinking about purchasing an older home, call several insurance companies to get rates before you agree to purchase the home.The roof is one factor. There can be more. Each insurance company has their own criteria. Buyer Beware!
that new construction be able to withstand hurricane-force winds and feature shutters or impact-resistant glass in all opening

Joe C. 11-30-2023 10:52 AM
Florida upgraded the home construction requirements in the early 2000's. As I understand it, the Villages had already upgraded their construction requirements several years prior to the state doing so. The big thing is the binding of the roof to the concrete block ....how it is constructed. That's why insurance companies want photographic proof of your house when you apply for insurance. They call it "wind mitigation".

NoMoSno 11-30-2023 11:24 AM
Quote:
Originally Posted by Robnlaura (Post 2278536)
that new construction be able to withstand hurricane-force winds and feature shutters or impact-resistant glass in all opening
Impact-resistant glass is a requirement in the Miami-Dade hurricane code. We are in a different risk zone and it is not required.
miami dade hurricane code - Google Search

Are hurricane windows required in Florida?

Villagesgal 11-30-2023 11:34 AM
Such rubbish. Our home was built in late 2000. The Villages were already using the new 2000 standards required by the State. We have never had a problem getting house insurance and are paying less than most and have full coverage. Roofs are a concern for everyone with a roof older than 15 years. Find a home you like, have it inspected, no matter brand new or not, and buy it. There is no problem getting insurance for an older site built home here.

Topspinmo 11-30-2023 11:54 AM
Quote:
Originally Posted by retiredguy123 (Post 2278483)
In my opinion, with all of the newer pre-owned and brand new houses available to buy, it makes no sense to buy a house that is more than 20 years old, especially for a retirement home. Lots of things can go wrong, some of which you may not even anticipate. Almost nothing in a new house is designed to last more than 20 years.
Well, there just might be few that can afford or don’t want to buy 400K plus outrageous bond, so they look for pre-own for 100K plus less. :o

retiredguy123 11-30-2023 12:14 PM
Quote:
Originally Posted by Topspinmo (Post 2278559)
Well, there just might be few that can afford or don’t want to buy 400K plus outrageous bond, so they look for pre-own for 100K plus less. :o
The lowest priced house on The Villages website is a manufactured house listed for $209,900.

wolfie 11-30-2023 07:27 PM
insurance on older homes
 
we bought a 2000 Latana and had insurance through USAA because of the roof design. They actually took $300 off. They stated by a satellite picture of the roof it's more resistant to hurricane. I don't know if it's true or not but I was happy to get mine 300.

ldj1938 11-30-2023 08:16 PM
Older home updates
 
Quote:
Originally Posted by retiredguy123 (Post 2278483)
In my opinion, with all of the newer pre-owned and brand new houses available to buy, it makes no sense to buy a house that is more than 20 years old, especially for a retirement home. Lots of things can go wrong, some of which you may not even anticipate. Almost nothing in a new house is designed to last more than 20 years.
Our home in Santo Domingo was built in 2000. We are the second owner and everything you can think of has been updated. We put on a new roof. Structure was up to code. Just put in all new windows.$11,500. New garage/cart doors. New driveway. New hot water system. New hurricane shutters. etc... Painted,...
Beautiful location on 5th hole of The Palms. Wouldn't you take care of this home?


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