[Rzepecki]

Originally Posted by JGibson

It starts will the inspector and if he doesn't approve you can sue like so many roofing companies do for customers.

Allegedly insurance companies don't like to fight lawsuits hence why they cave to the roofing companies.

So instead of fighting the lawsuits they just pass the losses down to policyholders.

Great system we have.

Wouldn’t have to sue the insurance companies if they didn’t require the replacement of a 30 year roof when it was 15 years old. Insurance companies shot themselves in the foot.

[Dusty_Star]

Originally Posted by Robsillup

With DeSantis as the governor, rest assured it won’t be there to help.

Is this a political reference?

[Michael G.]

Originally Posted by kkingston57

Sump pump failure was not the cause of the loss.

Not according to my insurance Co.
I had to have a special rider for sump pump coverage, but I didn't.

[C. C. Rider]

Originally Posted by kkingston57

I was in the business and would question what your agent said. Almost all homeowners policies are known as all risk coverage. They provide coverage for everything except certain situations like war, wear and tear etc. If wind damages a roof or if something hits the roof the roof is covered and the damages inside are covered. Do not know of any policy which would not provide coverage for something like a roof. Policies will not pay for a roof if it wears out.

I'm almost certain that you are correct. I've never been an insurance agent, but I've read my policies pretty closely and talked with insurance agents.

It doesn't make any sense to think that if your roof got destroyed by a covered event such as fire, windstorm, or the like that the rest of the damage to the interior would NOT be covered by insurance. Someone just didn't understand what they were being told.

[JMintzer]

Originally Posted by Dusty_Star

Is this a political reference?

It can't be... They are not allowed... People have been given timeout in the "Penalty Box" for simply mentioning a certain Governor from a certain state up north... Ask me how I know...

[Flyers999]

Originally Posted by Rzepecki

Wouldn’t have to sue the insurance companies if they didn’t require the replacement of a 30 year roof when it was 15 years old. Insurance companies shot themselves in the foot.

Exactly. I guess if all residential units in the state of FL got new roofs, there would be less damage to them in the next storm, but for most it would be a waste of money. And roofs aren't cheap.

If the ins. Companies want everyone to have a new roof, let them pay for it.

[justjim]

Originally Posted by Michael G.

My insurance co. in Wisconsin I had for 38 years refuse to pay out anything after my sump pump stopped running and
flooding our basement 7 years ago with 3 feet of water.

They claim they sent all policy holders a notice to get a "rider" added on our policy for sump pumps but
we never seen one.

We lost around $30,000 to replace the furnace, freezer, hot water heater, and a lot of personal belongings.

So much for having insurance

Not all State Farm agents or any other insurance companies agent are competent and professional. A good agent would have notified you and called you to come into his office to discuss such a major change. I would get a new agent. We have State Farm up north on our place with a basement and sump pump. We have a rider on our policy. The rider wasn’t expensive.

[justjim]

An insurance policy is a contract between you and the insurance company. It will do no more or less than what is in the policy. That goes for any policy in any State including Florida.