[Gatorfan1]

Originally Posted by Nacoma

Here’s the real problem with the roofing scams. In my opinion it’s often not the fault of the homeowner (who wouldn’t want a free roof?) or roofing company scamming homeowners by claiming they need a new roof when they really don’t. The blame is squarely on the insurance companies for choosing not to pay for legal fees to fight theses lawyers the roofing companies have hired. The insurance companies have chosen to just pay for the new roofs and pass the expense off to all of us homeowners by upping our premiums. Insurance companies will always take the least expensive option on any matter when deciding to honor any claims including unfair claims. Rather than paying for expensive legal fees fighting cases they often choose to just pay and pass the expense off to the homeowner by raising insurance premiums. SO; by THEIR DECISIONS ALONE not to to pay for litigation and fight such faults claims as the roofs in Florida your premiums go up or in some cases they just fold up and and move on refusing to operate in your home state anymore.

Where do they get the money to do what you have stated? Everyone thinks insurance companies have millions of dollars. If you have a home insured for $300,000 that is 10 years old. Original premium first year was $600.00 and each year with up $100.00. Roof claim is $20,000. Legal fees to fight that claim around $100,000 or more. Over a 10 year period you paid less than $20,000 in premium. Company has minimum $80,000 loss. Multiply that by hundreds more homes. $1.7 billion in a little over year. Add inflation cost too. Think about it.

[Gatorfan1]

Originally Posted by NoMo50

While the "roofing scams" may not have been perpetrated by the insurance companies, they have certainly facilitated the spread of the scams. Insurance companies are under no obligation to pay fraudulent claims. Zero. In fact, the typical insurance contract clearly spells out that fraudulent claims are not covered. But, the companies continued to pay claims they knew were not valid. Because of this, they were/are complicit in the scam.

You must remember, though, that the insurance industry pays out in excess of $100 million to lobbyists at the state and federal levels. These lobbyists work very hard to ensure that you, John Q. Citizen, pay the ultimate cost of any "crisis" endured by the insurance industry.

You are so wrong

[kkingston57]

Originally Posted by Robnlaura

They come and inspect your roof then ask you to assign the benefits to them. As usual it’s a scam.. what’s new these days.. most company’s are flat out scam artists. Welcome to Covid

Roof/insurance scams started way before Covid. Became worse in 2020 as roofers found more work after "wind damages" from hurricane IRMA

[kkingston57]

Originally Posted by pdp07

Maybe insurance companies should prorate the life expectancy of roofs. A 30 year roof that is 15 years old, they pay 1/2 you pay 1/2.

Some newer policies are doing this.

[kkingston57]

Originally Posted by Sandy and Ed

You are, unfortunately, spot on. We, the home owner, are the point of least resistance. I’m blessed having USAA but wonder what will happen when I truly need a new roof. Will they hike my rates? Drop me?? Thus far I’ve told all those scam roofing companies (represented by clean cut nicely attired young men) to pound sand when soliciting me for a new roof. Maybe USAA will break the mold and go after them? I think not

New laws will make it more likely that an insurance company will try and "fight" those claims. Old laws made it extremely profitable for an attorney to make illegitimate insurance claims and win huge attorney fees.

[kkingston57]

Originally Posted by Miboater

From what I understand happens is the insurance companies will deny the claim and then the attorneys for the roofing company will sue the insurance company. Then the insurance company will settle as it is cheaper than going through the court system.

They settle(under the old laws) because If they lose the lawsuit, they pay the claim, their own attorney, expert and other costs and most importantly they pay the insureds attorney who can/will charge 3-4X more than the insurance companies attorney. Was in the biz. Laws have changed and it will take years for this to work.

[kkingston57]

Originally Posted by Marine1974

Roofs are generally depreciated over time by insurance companies. I believe the insurance company will only pay you 7500 on a 5 year old roof
you paid $10,000 and a deductible.

99.9% of the policies will pay the full replacement cost of the roof if there is substantial damages per the policy which need to follow building codes. I was in the adjusting biz for 40+ years

[kkingston57]

Originally Posted by Gatorfan1

The insurance adjusters did deny the claim. Since the roofer had the homeowner sign their benefits over to them, they called their attorney who had been waiting and lawsuit filed. Insurance companies had to make a decision. Pay for roof or pay hundreds of thousands of dollars to fight the claim n court. (Still ended up paying $ 1.7 billion in just over a year) bankrupted company’s and many just packed up and left Florida. The companies that are still in Florida had to raise their premiums because they are insuring a lot more clients and had to build their reserves back for future claims. Think about this, out of 100% claims in US, 70% are filed in Florida.

Hit the head.

[Topspinmo]

Originally Posted by pdp07

Maybe insurance companies should prorate the life expectancy of roofs. A 30 year roof that is 15 years old, they pay 1/2 you pay 1/2.

All other states I lived in done that. But, I guess florida could not see scam coming. Eventually I. lobbyist hasn’t polished enough door knobs in this area like they do in other areas.

[Topspinmo]

Originally Posted by kkingston57

New laws will make it more likely that an insurance company will try and "fight" those claims. Old laws made it extremely profitable for an attorney to make illegitimate insurance claims and win huge attorney fees.

Let’s see? Who makes laws? Lawyers. Who runs laws? Ex or current lawyers. Who 99% get paid wether they win or loose? Lawyers. Who rules over the laws? Lawyers and former lawyers Judges. Who right laws so anything can be argued wether it right or wrong? Lawyers. See where problem lies for citizen Kane? Citizen Kane guilty till he proves himself innocent playing all the lawyers.

[kkingston57]

Originally Posted by Nacoma

Here’s the real problem with the roofing scams. In my opinion it’s often not the fault of the homeowner (who wouldn’t want a free roof?) or roofing company scamming homeowners by claiming they need a new roof when they really don’t. The blame is squarely on the insurance companies for choosing not to pay for legal fees to fight theses lawyers the roofing companies have hired. The insurance companies have chosen to just pay for the new roofs and pass the expense off to all of us homeowners by upping our premiums. Insurance companies will always take the least expensive option on any matter when deciding to honor any claims including unfair claims. Rather than paying for expensive legal fees fighting cases they often choose to just pay and pass the expense off to the homeowner by raising insurance premiums. SO; by THEIR DECISIONS ALONE not to to pay for litigation and fight such faults claims as the roofs in Florida your premiums go up or in some cases they just fold up and and move on refusing to operate in your home state anymore.

Politely disagree and I was in the biz. Have relative who specializes in filing homeowners' claims. Person claimed he had roof damage and claimed that roof needed to be replaced ($8,000 roof) Insurance company investigated and believed that the claim was not covered. Homeowner hired my relative to file suit. Homeowner/attorney proved claim. Insurance company paid for the roof(8K plus interest)their attorney costs(about 50K) and homeowners attorney(200K). Laws have been changed but still favor the insured.

[kkingston57]

Originally Posted by ROCKETMAN

The insurance company sends out their adjuster once the roofing company says you need a new roof. If he says your roof is fine, case closed. In my case the adjuster said I didn’t need one and the roofing company called them back and after a second look the adjuster from Travelers Ins. Said he missed some bad shingles and I would get a new roof. It’s not free, you must pay the deductible.

IF insurance adjuster says that the roof is fine and the homeowner does not agree, in most cases, case goes into litigation and a jury determines if there is damage unless the homeowner and the insurance company settle the case prior to trial. Insurance companies settle cases as they can loose thousands more than the claim if they do not prevail in a lawsuit. If insured looses the suit insured pays nothing since they usually hire an attorney who gets paid on a contingency basis

[Stu from NYC]

Originally Posted by kkingston57

Politely disagree and I was in the biz. Have relative who specializes in filing homeowners' claims. Person claimed he had roof damage and claimed that roof needed to be replaced ($8,000 roof) Insurance company investigated and believed that the claim was not covered. Homeowner hired my relative to file suit. Homeowner/attorney proved claim. Insurance company paid for the roof(8K plus interest)their attorney costs(about 50K) and homeowners attorney(200K). Laws have been changed but still favor the insured.

Seems like someone should reduce the attorney costs to something in line with the cost of the roof.

[Gatorfan1]

Originally Posted by Arctic Fox

There are two, unrelated, roofing scams.

In the first, someone will inspect your roof "for free" and tell you it needs repairs when it doesn't. This will be at your expense.

In the second, they will tell you that you need a whole new roof. Often they can get the insurance company to cover this.

The second has been accelerated by some insurance companies refusing to insure a roof over 20 years old, so it has been hard for them to deny that older roofs may need replacing due to wind damage over the years. A vicious circle for which they are partly responsible.

Then the roofers call their attorney to sue. Homeowner assigned benefits to roofer. Year and half later $ 1.7 billon paid out in claims. Of 100% claims in US, 70% of claims are paid out in Florida.

Companies went bankrupt, many just up and left Florida. State of Florida passed some laws but more needs to be done.

Did I forget to mention the hurricanes and the billions paid out in claims. Add more lawsuits by those who did not have flood insurance suing their homeowners companies for flood damage.

Many say they have 30-50 year shingle warranty. If that is true why are they filing the claim against homeowners insurance company vs warranty company.

[SkylightRoofing]

Friendly Advice From SkyLight Roofing Villagers:

Please get your information correct before making assumptions please.

We received over 35 direct messages to assist with clarification on your presumption from previous message (We appreciate those Villagers bringing this to our attention as we are an honest Villages roofer conducting top-quality business services for all Villagers).

The many homes being replaced in Charlotte, Dunedin, Lake Deaton, Collier, Gilchrist, Etc are under a 10-year warranty from Manufacturer (CertainTeed) and SkyLight Roofing Villages has been tasked to assist with these developments over the course of the last year and a half.

The aggregate (granular) was cooled too quickly on the asphalt laminate so this caused a rapid decrease in granular accumulation on fiber asphalt mat. We are also FL licensed adjusters and work closely with manufacturers (Owens Corning and CertainTeed) as The Villages warranty dept immediately defers homeowners (Villages) right back to have roofs assessed in an honest manner (Remember, these are warranty inspections and not insurance scams).

If your roof is between Osceola Hills and Collier and between 8-10.5 years of age with algae streaks and granular masses have accumulated in gutter or clean out (French drains), then you too should get an honest assessment from SkyLight Roofing Villages: 352-552-4766

Let us repeat: This is not a scam, fraud, or insurance related and we would kindly appreciate folks thinking about what they post before they decide to type.

We are an honest Villages roofer and have been for many years. We also are first responders, woman owned, support The Villages charities, and we live here.

Free “Zero Pressure or Sales Estimates and Honest Roofing Inspections”:

352-552-4766 or 888-520-0363

Overview and insights:

• Woman owned business
• Free estimates with zero pressure
• Competitive pricing and financing
• Hundreds of current referrals
• No subcontractors
• 12-OSHA10 Crews/Supervisors.
• Full FL CGC / CCC licensed & displayed on all our hardware and equipment.
• Workmans Comp (Full)
• County Permits always applied for with 3-Inspections on each installation.
• Photo and Video log on every install
• Everyone receives “Top Grade” Architectural Shingle (No Tier-Selling)
• Platinum Preferred FL Contractor Roofing Installation In 2023.

https://skylightroofing.com/the-villages/

https://www.talkofthevillages.com/forums/roofing-438/skylight-roofing-328367/

https://nextdoor.com/pages/sky-light-roofing-inc-the-villages-fl/

https://www.trustpilot.com/review/skylightroofing.com

https://www.owenscorning.com/en-us/roofing/contractors/contractor-profile/216266

https://www.bbb.org/us/fl/orlando/profile/roofing-contractors/sky-light-roofing-inc-0733-90201209

Trusted because our loving Villages neighbors voted Skylight Roofing Villages the “Favorite Roofer in The Villages” in 2023. We have humbly looked to achieve that same goal for best price and quality in 2024.
__________________

Brent Maloy - Senior Villages Roofing Management - Skylight Roofing Villages, FL - 407-790-6755

Originally Posted by MSGirl

Those roofs being replaced are due to a manufacturers defect on the shingles. The manufacturer, came out (Certainteed) and checked the shingles and found the defect to be true. Insurance is not involved here. The manufacturer, because of the defect, paid the homeowner direct the cost of labor and new shingles. The homeowner pays the rest.certainteed roofs are under warranty for 10 years.