[noslices1]

I have noticed, in my neighborhood alone, at least 10 signs in yards talking about Storm Damage to roofs and I assumed these people were all getting new roofs. Today, riding down my street, I saw ONE sign, with a small addition to the top that said “Approved”.

Is there a company going door to door, promising to get insurance companies to pay for new roofs? I checked out several of the roofs in question, but could see no “Visible” damage. I believe the insurance companies will send a representative out to double check these roofs to make sure they are not being scammed by the roofing company. My roof is 15 years old and I inspected it pretty good and it looks like it is holding up very well after the storms we’ve had in the last ten years. Is this an insurance scam?

[Velvet]

I wasn’t at home when I saw from my doorbell camera a person looking at my roof and ringing the doorbell. They would not have received a welcoming reception, I don’t like people touching my doorbell during Covid. What were they thinking?

I just had my roof evaluated recently for insurance and it’s in great condition. But that didn’t seem to stop them.

[Kahuna32162]

Working on it with Progressive/ ASI.

[Stu from NYC]

My neighborhood in Bonita is about 10 years old and have seen several homes getting new roofs.

Wondering why myself

[n8xwb]

No it's not a scam. Yes your insurance company will inspect for damage before approving the work. A recent building code change requires shingles that have a higher speed rating, so if your roof has damage and you have 3tab shingles the roof cannot be repaired and meet code, hence a complete roof replacement. Your insurance may not cover the difference in price if you don't have the correct coverage. I just had our 13 year old roof replaced. If you want more info, feel free to call me 813seven311doubleoseven.

[EdFNJ]

Some guy came to my house a few days ago told me "it looks like" I needed a new roof and he would work with my insurance company. I told him 80% of our roof is 5 years old (which is true) and the other 20% is 1yr old (which is also true because we had an addition) and he just left without a comment. Said he was from (I think) APEX.

Our neighbor had a new roof installed by one of these companies. Insurance inspected her roof and said there was some damage so they paid. I wonder if the damage was really there before it was “inspected”. Just cynical.

[EdFNJ]

There is going to be a lot of insurance rate increases around here certainly for those who have "collected" and "collectively" because of large numbers of claims in the area. The claims may have been technically legit but I'm sure many could have gone without but took advantage of the chance for a new roof.

[iht2209]

The rest of us will be paying for their new roofs. I have already received a letter that stated insurance in the state may be 40% higher because of that. So get ready for a raise similar to our property taxes again next year...

[dp000]

I talked to my insurance rep about this and he stated that it is cheaper to approve a new roof than fight with lawyers like Morgan & Morgan. Insurance companies will recoup losses with premium increases. One of his companies stopped writing policies in The Villages all together. St John’s insurance say it will have large increases in premiums.
So your friends who think they are getting something that is not needed are screwing all of us with higher cost. Thanks

[NY2TV]

My premium went up 25% and I was told the new roofs is a big reason. While it is not a "scam" I think it is a loophole the roofing companies are cashing in on. And I am told they sometimes charge the insurance company more than if the homeowner was paying for it. That bothers me.

[Skunky1]

There most likely was NO damage before the roofing company’s inspection!

[ldovermiller]

Well, once again, it get back to the ORIGINAL roof being of poor quality. We can put this issue at the feet of our beloved
developer. Hear ye, hear ye...all rise.

[Chloe Girl]

I thought that the insurance company sent an adjuster out to verify the claim and then the insurance company tells the customer how much they are willing to pay. If the roofing company agrees to that amount, then a new roof is put on. So the roofing company really has no say so as to how much they can charge.

[mrf6969]

Originally Posted by dp000

I talked to my insurance rep about this and he stated that it is cheaper to approve a new roof than fight with lawyers like Morgan & Morgan. Insurance companies will recoup losses with premium increases. One of his companies stopped writing policies in The Villages all together. St John’s insurance say it will have large increases in premiums.
So your friends who think they are getting something that is not needed are screwing all of us with higher cost. Thanks

Been paying Homeowners ins premiums here in TV for 15 years to the tune of over $12,000. I got a new roof and I am still not even with the ins company. Getting a new roof is a no brainer.