[Florida Fan]

My 90 yr. old mother-in-law, who lives a short distance from us received notification that her homeowners insurance will be cancelled due to her roof being almost 15 yrs. old. So the hunt will be on. Are there any insurance companies that would insure a 15 yr. old roof or should I be getting roofing estimates? Thanks for your time.

[retiredguy123]

Buy a new roof.

[Babubhat]

Call a few agents for quotes. The downside is the rates may not to your liking if they approve.

[mtdjed]

Try Allstate. Just went with them with my 16 year old roof.

[oldtimes]

Didn't they just pass some kind of law against this?

[LuvNH]

She's 90 yrs old, buy the new roof and save her the stress. You cannot beat City Hall.

We went through the same thing just a year ago, we actually got cancelled and were given something like a month to get a new roof. I have never been so stressed.

[Pairadocs]

Originally Posted by Florida Fan

My 90 yr. old mother-in-law, who lives a short distance from us received notification that her homeowners insurance will be cancelled due to her roof being almost 15 yrs. old. So the hunt will be on. Are there any insurance companies that would insure a 15 yr. old roof or should I be getting roofing estimates? Thanks for your time.

BE ON HIGH ALERT ! My brother and sister in law really got burned on that one. Bought a home here in the V's, the second year in the home they were notified they would be dropped as the roof would be 15 year's old at the next renewal. They hired a competent INDEPENDENT roof inspector, thinking they had really been "taken" when the paid $450 for a "home inspection" before the closing... but NO, the roof had been pronounced in good shape just as it had been a year before at the closing. But they panicked, had the roof replaced immediately, and 4 months after that, when their renewal come due, they nearly fainted at how much their premium INCREASED when they had a new roof put on ! Believe it or not, their insurance company raised their premium by $878 once they did the new roof. As an old retired roofer in my neighborhood, with over 40 years experience said when I told him about my brother and sister in law...." Well, SOMEBODY has to pay for all those "FREE" roofs that villagers get by allowing the door to door roofing companies to turn in the false claims". From some of the recent articles in various papers, including the villages daily paper, I guess you might say he was "RIGHT ON" when he said there are no "free roofs". So check every aspect before you make a move, or your relative may also end up with an insurance premium she can't afford after paying for a new roof.

[Bogie Shooter]

Originally Posted by Pairadocs

BE ON HIGH ALERT ! My brother and sister in law really got burned on that one. Bought a home here in the V's, the second year in the home they were notified they would be dropped as the roof would be 15 year's old at the next renewal. They hired a competent INDEPENDENT roof inspector, thinking they had really been "taken" when the paid $450 for a "home inspection" before the closing... but NO, the roof had been pronounced in good shape just as it had been a year before at the closing. But they panicked, had the roof replaced immediately, and 4 months after that, when their renewal come due, they nearly fainted at how much their premium INCREASED when they had a new roof put on ! Believe it or not, their insurance company raised their premium by $878 once they did the new roof. As an old retired roofer in my neighborhood, with over 40 years experience said when I told him about my brother and sister in law...." Well, SOMEBODY has to pay for all those "FREE" roofs that villagers get by allowing the door to door roofing companies to turn in the false claims". From some of the recent articles in various papers, including the villages daily paper, I guess you might say he was "RIGHT ON" when he said there are no "free roofs". So check every aspect before you make a move, or your relative may also end up with an insurance premium she can't afford after paying for a new roof.

Appreciated home value can also contribute to premium increases.

[Caymus]

What is the main issue with a15 year old roof. Is it rain infiltration or blowing off during a hurricane? Do other states (Gulf Coast) have this insurance issue?

[villageuser]

I recommend calling a reputable roofer to verify the condition of the roof. What i was told when i did a wind mitigation inspection, that those years, about 50% of the claimed years of lie of the roof due to FL conditions, are estimates. At that time, i was told to have the roof inspected. Either the roofers will agree with the insurance company or they will extend the life of the roof expectancy. Have them put it in writing and submit it to the insurance company. It may add 1 or 2 years to the time when the roof would need to be replaced. Or you can go ahead and replace it now.

[Southwest737]

Progressive sent us notice of non renewal unless we got a new roof. But after the change in FL law Progressive rescinded the requirement. However, rate increased from 1700 to 2500 which is the norm now whether the roof is old or new.
Our roof is original 18 years.

[retiredguy123]

Originally Posted by Southwest737

Progressive sent us notice of non renewal unless we got a new roof. But after the change in FL law Progressive rescinded the requirement. However, rate increased from 1700 to 2500 which is the norm now whether the roof is old or new.
Our roof is original 18 years.

The norm? I just renewed with Progressive this month for $880, and the annual incease was only 6 percent. My roof is 6 years old.

[retiredguy123]

The new Florida law is ridiculous. Apparently, the insurance company cannot cancel you, but they can raise your rate as high as they want.

[coconutmama]

Originally Posted by retiredguy123

The norm? I just renewed with Progressive this month for $880, and the annual incease was only 6 percent. My roof is 6 years old.

Same here.

[RICH1]

Sounds like a 10 year warranty roof should cover it…..Make her life easy
Insurance Companies lobby Tallahassee to make money!