[Heytubes]

Four years ago I was quoted 15.6kand another at 12.4k.Told the roofer I’d get my 1527 sf house roof replaced for less than 7k with an out of state roofer which included travel, etc. (this would have been done during a weekend to avoid a building inspector getting my roofer taken to jail for not being licensed by the state of Florida Construction Licensing Industry Board as a roofing contractor) Said he’d tell his boss my offer and doubted he’d accept the $8500 I offered. Less than 30 minutes later called back and said they’d do it. Ended up paying for architectural shingles for 9k including replacing some damaged roof decking. The original shingles were triple tab and worn after 20 years so not an insurance claim. Most roofers in this area overcharge. I might add, I was a builder in another state and knew all things are negotiable.

[kkingston57]

Originally Posted by villagetinker

Look at your policy, or ask your insurance company, your coverage may be very different from mine. I would guess the replacement would be prorated, in any case insurance does not cover normal wear and tear on a roof.

Correct that insurance does not pay for normal wear and tear on a roof. Person asked if roof would be replaced if a storm caused damages to an old roof. if the insured has a policy with replacement cost coverage(most common policy) the policy will pay for a new roof if repairs can not be made to the roof. Full disclosure I was in the adjusting biz for 42 years.

[Pairadocs]

Originally Posted by GreggC69

Is $27K an average replacement cost here? Just recently relocated. That is significantly more than where I am from with comparable size houses.

It can be IF you are willing to pay it ! Pretty much anything the traffic will bare here, or I should say, accept. We know E. Roofing to be a legitimate company (from the area before retiring to the Villages) but... they were also the highest bidder. You really need some negotiating skills here, and stick to the long time established family owned companies in the area, not Orlando, Gainesville, even Jacksonville, etc. We finally settled on Bowles, long established family owned business that employs their own crews, not contracted, and never asked for a penny until the job was done, and both their inspector, country inspector, and we were satisfied. Bids for our designed had a range of $10K highest to lowest for the SAME BRAND, color, and style of shingle, so do your homework, find out and ASK about what techniques they use, nails per strip, how vents are done, etc. etc. ASK A LOT of intelligent questions !

[Rainger99]

Originally Posted by JRcorvette

Don’t pay more than $375 per square (100sf of roofing not house size) Find another roofing company. Give Scott Smith Roofing a call. I have no connection with them but they repaired my roof (excellent job) and quoted me $375 a sq for replacement.

How long ago did you get the quote? Within the past few months or several years ago?

[Tyrone Shoelaces]

Originally Posted by GreggC69

Is $27K an average replacement cost here? Just recently relocated. That is significantly more than where I am from with comparable size houses.

We paid 18K in late 2020 for 54 squares

S&W Roofing. Will Gressinger
great man

found him from reviews on this forum

[Topspinmo]

Insurance in business of collecting money not paying out. Read the fine print.

[Chellybean]

Originally Posted by jimhoward

How does insurance work if you have an older patched-up roof, and then a storm comes through and damages it further so you need a new roof?

Do they pay for a brand new roof, or do they pay a pro rata? I was wondering because the OP was mentioning existing tar repairs.

The roof is about 10 years old with three tab architectural roof. My husband was up on the roof for better than 9 hours doing temporary repairs due to another storm coming through. There are clauses in insurance policies to protect the property until proper replacement can be done. The tarps blow off in high winds so my husband did temporary repairs, and that is where all the tar came from.
So because we did not use tarp we will suffer being treated unfairly, is this what some of you are saying? Most insurance companies want to deny claims due to alot of roofs being replaced in the past when the insurance companies should not have paid. Attorneys are on board with alot of roofers for this reason; adjusters are there to save insurance companies money. What a joke!

[Chellybean]

Hired a Piblic adjuster and we will see how this goes.

[kkingston57]

Originally Posted by Chellybean

The roof is about 10 years old with three tab architectural roof. My husband was up on the roof for better than 9 hours doing temporary repairs due to another storm coming through. There are clauses in insurance policies to protect the property until proper replacement can be done. The tarps blow off in high winds so my husband did temporary repairs, and that is where all the tar came from.
So because we did not use tarp we will suffer being treated unfairly, is this what some of you are saying? Most insurance companies want to deny claims due to alot of roofs being replaced in the past when the insurance companies should not have paid. Attorneys are on board with alot of roofers for this reason; adjusters are there to save insurance companies money. What a joke!

Was in the business and if there were not adjusters who would handle your claim. Adjusters job is to handle the claim based upon the policy(contract) and the appropriate laws. Hire ups in the at the insurance company establish the protocol on handling cases.

[wisbad1]

Originally Posted by GreggC69

Is $27K an average replacement cost here? Just recently relocated. That is significantly more than where I am from with comparable size houses.

Villages pricing

[BobnBev]

Originally Posted by Heytubes

Four years ago I was quoted 15.6kand another at 12.4k.Told the roofer I’d get my 1527 sf house roof replaced for less than 7k with an out of state roofer which included travel, etc. (this would have been done during a weekend to avoid a building inspector getting my roofer taken to jail for not being licensed by the state of Florida Construction Licensing Industry Board as a roofing contractor) Said he’d tell his boss my offer and doubted he’d accept the $8500 I offered. Less than 30 minutes later called back and said they’d do it. Ended up paying for architectural shingles for 9k including replacing some damaged roof decking. The original shingles were triple tab and worn after 20 years so not an insurance claim. Most roofers in this area overcharge. I might add, I was a builder in another state and knew all things are negotiable.

BUT, if the roofer fell of your roof, and the roofer had no liability insurance, guess who would be paying for the 2 broken legs. Even if he had liability insurance, being he was doing the job illegally, the insurance company would have denied the claim.

As the saying goes, "Penny wise and Pound foolish."

[VApeople]

Originally Posted by Chellybean

Had to hire an attorney finally to get StateFarm to do what is right. The Attorney stated he is handling over 150 case and the majority are StateFarm. However, my insurance agent still insist State Farm is known for paying out claims. What B.S.
Everyone in my neighborhood had to fight to get there roof replaced with the help of an attorney.

As I said before, State Farm(SF) did very well for us.

Our roof was damaged during Hurricane Milton. The SF adjusters said we needed a new roof and said it would cost about $17K. We called Eustis Roofing and they said it would cost $27K. SF accepted that price, so we had Eustis Roofing replace our roof and SF paid them, minus a $10K deductible that we paid.

[kkingston57]

Originally Posted by wisbad1

Villages pricing

Florida pricing. South Florida is 20% higher.

[kkingston57]

Originally Posted by BobnBev

BUT, if the roofer fell of your roof, and the roofer had no liability insurance, guess who would be paying for the 2 broken legs. Even if he had liability insurance, being he was doing the job illegally, the insurance company would have denied the claim.

As the saying goes, "Penny wise and Pound foolish."

Was in the biz. Do not know of any policy which would deny coverage for the claim. They might deny liability and if so the injured person could file a suit and a jury would decide who is at fault

[Chellybean]

Originally Posted by VApeople

As I said before, State Farm(SF) did very well for us.

Our roof was damaged during Hurricane Milton. The SF adjusters said we needed a new roof and said it would cost about $17K. We called Eustis Roofing and they said it would cost $27K. SF accepted that price, so we had Eustis Roofing replace our roof and SF paid them, minus a $10K deductible that we paid.

Than you were very lucky, everyone of the roofs in my neighborhood had to have attorneys fight the insurance companies. Like some have posted here sometimes you get a good adjuster and most of the time they stink, lol!
Same things goes for opinions everyone has one! they are like other body parts if you get my drift!