[Sandy and Ed]

Originally Posted by Notsure

The latest thing, aside from insurance companies requiring new roofs, is bad shingles still under warranty. The shingles have deteriorated and being under warranty you may get free shingles and a stipend for some of the labor. You still pay for sheathing and some labor, so not a free roof.

Wonder where you find the information about your original roof shingles to file a warranty claim. For our vacation home in Maine when we redid the roof we had the entire roof covered in Ice and Water Shield before shingles. Will never leak even if shingles fail

[Sandy and Ed]

Originally Posted by G.R.I.T.S.

Ask those neighbors. They could have received a discount if they all bought one. We paid for ours and I’m sure there are those who thought it was a “free” roof.

Great idea if you have enough neighbors interested. All the homes in a community were roofed at the same time with the same shingles so theoretically (no, positively) all should start to fail at the same time. We live in a 2009 Pennecamp CYV. Wondering if we can expect our shingles to start failing soon. Who did your roof and was it a collaborative event??

[FredJacobs]

That scam has contributed a lot to the rising premiums and non-renewals of homeowners insurance. I received a renewal for my policy with a few hundred dollars increase - not the doubling or tripling as others have had - with a letter that the price was based on having no claims. Having been in the insurance business for more than 20 years, I predicted this would happen.

Sorry folks - there ain't no such thing as a free lunch.

[Edgewater2]

Originally Posted by Sandy and Ed

Yup. Exactly what they should do. And use inspectors that can’t be bought by roofing companies or home owner. I’m not saying all the roofing companies are scammers. This is not an issue unique to Florida. Our over-50 in Bucks County PA has same problem. Home owner brags about zero dollar roof replacement via insurance and then neighbors step up to the plate. It’s a fraud, period and two parties are involved

Progressive, my insurance company, did require inspection by their chosen inspector. He did a thorough, time-consuming inspection and determined I needed a new roof. It was 12 years old. Therefore, at least in my case, insurance companies aren't just taking the homeowner's word for needing a new roof.

[C. C. Rider]

My understanding is that if your roof is no longer covered by your insurance, you still have the other coverages under your homeowner's insurance policy.

For example, if your house catches fire, that loss is covered. If you have a burst water pipe inside your house while you're away and the house is damaged by the water, that is still covered. If a visitor slips and falls on your sidewalk and sues you, that is still covered.

Only damages that can be attributed to a faulty/leaky roof are not covered. So, if you'd rather keep your current insurance without the roof leak coverage instead of spending $15K to $18K to have a new roof installed, then that's your option.

[Michael G.]

Originally Posted by Stu from NYC

Sad this is still going on. Sometime soon our insurance company will make us replace roof even if still ok.
If only the insurance companies would require their own inspections before paying for a roof.

BOTH Roofer and my Insurance Co. inspected my 3 yr. old roof and said because of hail, it needed replacing.

So not knowing anything about roofs and like a dump @ss I said OK, replace it.

I should have took the $$$$ and put it toward my ins, premiums without replacement and took my chances.

Stupid is as stupid does.

[George Page]

Originally Posted by Stu from NYC

If only the insurance companies would require their own inspections before paying for a roof.

They do.

[retiredguy123]

Originally Posted by Sandy and Ed

Wonder where you find the information about your original roof shingles to file a warranty claim. For our vacation home in Maine when we redid the roof we had the entire roof covered in Ice and Water Shield before shingles. Will never leak even if shingles fail

Try calling CertainTeed at 800-345-1145

[BrianL99]

Originally Posted by Sandy and Ed

For our vacation home in Maine when we redid the roof we had the entire roof covered in Ice and Water Shield before shingles. Will never leak even if shingles fail

I'd be more worried about mold & your entire roof structure failing, due to improper ventilation.

Ice & Water shield is not meant to cover the entire roof, especially in areas with wide temperature variations.

[Carla B]

Originally Posted by Michael G.

BOTH Roofer and my Insurance Co. inspected my 3 yr. old roof and said because of hail, it needed replacing.

So not knowing anything about roofs and like a dump @ss I said OK, replace it.

I should have took the $$$$ and put it toward my ins, premiums without replacement and took my chances.

Stupid is as stupid does.

Funny, in the last 15 years here our house has missed all these roof-wrecking storms. I may have seen hail once for less than a minute.

[Pairadocs]

Originally Posted by ElDiabloJoe

Now that Ron is no longer campaigning for a national office, I hope he can get back to working for us here in Florida.

I second your motion ! He better get to doing something ! Relatives tell us this whole Florida roof scam scandal is now starting in their retirement community in Arkansas ! My parents lived in Minnesota where the snow was frequent and HEAVY on the roof of our old 2 story home... the roof was 40 years old ! The ONLY thing my dad did a coupe times was "tar" near the chimney.