[sallym7777]

Originally Posted by Dana1963

My policy just renewed roof 10 years old premium went up $30 normal increase previous years still under $550 annually.

Dana, do you mind sharing which insurance company you are with? Thank you.

[gego3650]

Rates are going up.I neighbor got letter that will not renew til a new roof installed. It is 17yrs old.Call any agent and will find if you want good Ins it will be 1500. Any quotes I got that were lower were not great coverage and No sink hole other than what they have to cover by law. Which basically is house needs to be condemned or you get nothing.

[eyc234]

Went to the ARC a couple of months ago, after hearing the rumor to ask about getting a metal roof. Life of 50 to 70 years. Was told not allowed except in the historic side as it did not fit the aesthetics of the community. Told them I was not talking about a barn roof but stamped steel or aluminum to look like shingles. They said that I could submit and see, things change.

Well I started to notice in the non historic side of THV and there are a lot of not authorized metal roofs and not just in the area by Lake Miona by Sumter Landing. I have seen them on premier homes by Palmer golf course. How can a metal roof be any more non aesthetic than a roof of pool heater tubes or solar panels? Will keep digging and see what state law says about it.

[tophcfa]

Originally Posted by Joe C.

My roof is original ..... 21 years old, and we have it insured with Farmers ( dut dutta dut dut da). Their car insurance is high, but homeowner's is reasonable, since I don't know who else will insure it with a roof that old.

I switched to Farmers last year and just got the renewal premium bill. They bait and switched me, the premium after one year went up 25%. I have owned five homes over the last 35 years and never filed a single homeowners claim, but apparently that doesn’t matter.

[biker1]

How can you be sure they were not authorized? If you get the addresses you can ask your question of the ARC again.

Originally Posted by eyc234

Went to the ARC a couple of months ago, after hearing the rumor to ask about getting a metal roof. Life of 50 to 70 years. Was told not allowed except in the historic side as it did not fit the aesthetics of the community. Told them I was not talking about a barn roof but stamped steel or aluminum to look like shingles. They said that I could submit and see, things change.

Well I started to notice in the non historic side of THV and there are a lot of not authorized metal roofs and not just in the area by Lake Miona by Sumter Landing. I have seen them on premier homes by Palmer golf course. How can a metal roof be any more non aesthetic than a roof of pool heater tubes or solar panels? Will keep digging and see what state law says about it.

[taruffi57]

Originally Posted by Philipd411

I keep hearing about insurance rates going up once you roof is 7 years old or older. Are people having this issue or is it just rumor's?

Why? Mfrs. issue written prorated shingle warranties of either 25 (3 tabs), or 30 yrs. (architecturals). They wouldn't do that unless they knew that to be accurate. I recently retired from 42 yrs. in the roofing business in Cen. Florida.

[Michael G.]

When we bought our house, the sky lights showed leakage, so the seller paid for them when I had a new roof put on for $8,500.

Three years later I had hail damage along with other neighbors and we all needed new roofs.
We had a roofer say our roof needed to be replaced and our insurance adjuster came and said yup,
you need a new roof and they cut me a check for $12,000.

Guess how much my roofer charge me to replace my three year old roof, yep, $12,000 to the penny.

That roofer screwed me though my Insurance Co.

[MDLNB]

I was told to get a new roof installed, even though my inspection passed. They told me if I had a new roof installed, they would give me a discount. I did and they did. A year later, the premium went up 20%. The following year, it was up double of the original discounted premium. I went to my broker and said I wanted them to find me another provider. They said they could only save me about $50 a year. So, I went to another insurance provider suggested by "next door" or whatever that local blog is called. They cut my premium in half. There does not seem to be any model for how much they want to charge. I guess it is just set by how much folks are willing to pay. My wife insisted I search for a new insurance provider and I saved 50%. I have NEVER submitted a claim on a home. Seems like that should make some difference. Everyone in my neighborhood got their "free" roof, when I paid full price for mine. Mine old roof did not leak and there was no bad or missing shingles but it was 18 years old. My new roof is lifetime guaranteed with five years free labor.

[Michael G.]

Originally Posted by MDLNB

My new roof is lifetime guaranteed with five years free labor.

Who's lifetime?

[brianherlihy]

we have a new home. and sold our old one we have a new roof and pay low rates and new

[trishaf]

Originally Posted by eyc234

Went to the ARC a couple of months ago, after hearing the rumor to ask about getting a metal roof. Life of 50 to 70 years. Was told not allowed except in the historic side as it did not fit the aesthetics of the community. Told them I was not talking about a barn roof but stamped steel or aluminum to look like shingles. They said that I could submit and see, things change.

Well I started to notice in the non historic side of THV and there are a lot of not authorized metal roofs and not just in the area by Lake Miona by Sumter Landing. I have seen them on premier homes by Palmer golf course. How can a metal roof be any more non aesthetic than a roof of pool heater tubes or solar panels? Will keep digging and see what state law says about it.

I would be curious to know what else you find out as we have considered this as well when we have to replace the roof.

[OhioBuckeye]

I can’t speak for homes in TV. But I had a roof on a home for 13 yrs. & never had the first issue with it from my Ins. company. Maybe they’re throw away homes, LOL.

[MrFlorida]

Beware, scammers are coming around, offering a free roof inspection. I had two of them in the last few weeks....No matter what they say, they are there to separate you from your money.

[kathyspear]

Originally Posted by OhioBuckeye

I can’t speak for homes in TV. But I had a roof on a home for 13 yrs. & never had the first issue with it from my Ins. company. Maybe they’re throw away homes, LOL.

Was the home in Florida or another state?

kathy

[retiredguy123]

Originally Posted by Michael G.

When we bought our house, the sky lights showed leakage, so the seller paid for them when I had a new roof put on for $8,500.

Three years later I had hail damage along with other neighbors and we all needed new roofs.
We had a roofer say our roof needed to be replaced and our insurance adjuster came and said yup,
you need a new roof and they cut me a check for $12,000.

Guess how much my roofer charge me to replace my three year old roof, yep, $12,000 to the penny.

That roofer screwed me though my Insurance Co.

If the insurance company gave you a check for $12,000, why didn't you shop around and find a roofer who would charge less, and pocket the savings?