[lesbunning]

Many of the houses on my street have had new roof's because of wind damage .In many cases the insurance company has paid for the new roof. My insurance company is American Integrity and when we made a claim they sent an engineering company to inspect the roof. This is a typical scenario for an insurance company who does not want to pay. As a result of the engineers report the insurance company refused to pay for the damage. Several roofing companies have advised that American integrity rarely pays for a new roof. Does anyone else have a similar experience. LBB

[kathyspear]

Every 2nd or 3rd house in our village is getting a new roof from the same company. The roofing company has a lawyer go after the insurance companies that don't want to replace a 20 year old roof because of bogus claims of "storm damage". I suspect every one of these homeowners will get a nice surprise when they get their next insurance bill. I just hope the insurance companies don't raise everyone's rates, including those of us who paid for our own roof.

kathy

[jacksonbrown]

Originally Posted by kathyspear

The roofing company has a lawyer go after the insurance companies that don't want to replace a 20 year old roof because of bogus claims of "storm damage".

Kathy, is this what you "think" is happening, or do you have direct (personal) knowledge of this?

[Madelaine Amee]

I also live in a Village where many of the roofs are being replaced. My experience with this is as follows:

Our son is in the construction business. When he was here this winter we asked him to check our gutters and to check out the roof. He came back down and told us we had a very good quality roof with some normal age wear, but that it was good for at least another five years or so.

Was out in my yard last week when I noticed someone walking over my next door neighbor's roof. A short time later he came to our door and told us he could get us a new roof and would we like him to get up and take a look at it. Of course, we said yes. He came back and asked us who our insurance company was, we told him AAA. He told us we had wind damage to get in touch with our insurance company and have a claims adjuster come out and he would meet him at our house and walk him through the damage.

We contacted AAA and they sent out an independent claims adjuster to check our roof. He went on the roof with the person from the roofing company. He came down and told my husband there was absolutely nothing wrong with the roof and we were good for probably 5+ years before the roof needed attention.

I would respectfully suggest that anyone interested in this new roof offer do a very thorough search on this company before proceeding with a new roof.

[JGVillages]

My roof was checked by a roofer, inspected by an insurance provided inspector, then the results inspected by an adjuster at the insurance company prior to approval. With this process it’s hard to understand “ASI/Progressive” paying a bogus claim. Some may have minimal issues so the insurance won’t cover, but having the roof checked doesn’t make it a bogus claim. So if you know of actual “bogus “ claims please enlighten us.

[Lottoguy]

Have you seen the ad for ROOF MAX? It's a new system where they spray your roof with a treatment that increases the life of your roof. Will last five years and you can do it up to three times. I've seen their ad in the Villages Sun. Looks interesting and I believe the cost would be under $2,000 for most roofs here.

[CWGUY]

Originally Posted by JGVillages

My roof was checked by a roofer, inspected by an insurance provided inspector, then the results inspected by an adjuster at the insurance company prior to approval. With this process it’s hard to understand “ASI/Progressive paying a claim. Some may have minimal issues so the insurance won’t cover, but having the roof checked doesn’t make it a bogus claim. So if you know of actual “bogus “ claims please enlighten us.

Don't know of any "bogus" claims...... but would like to know what others think of homeowners who get new roofs on the Insurance Co.'s dime when they are at the end of their expected life span. And I mean the roof's life span - not the homeowners.
Example: In our CYV neighborhood our homes were built in 1999/2000 with 20 years roofs on them. There are now roofers going around and submitting insurance claims and doing roofing jobs. Many of us got together and had new roofs installed a couple of years ago( Thanks to 1 neighbor who did all the leg work) at a good price. Many of us knew our roofs were fine but at the end of their life expectancy. My impression is that we did the right thing and insurance claims now on 21 year old -20 year roofs- "MAY" just be bogus!

[Topspinmo]

Originally Posted by CWGUY

Don't know of any "bogus" claims...... but would like to know what others think of homeowners who get new roofs on the Insurance Co.'s dime when they are at the end of their expected life span. And I mean the roof's life span - not the homeowners.
Example: In our CYV neighborhood our homes were built in 1999/2000 with 20 years roofs on them. There are now roofers going around and submitting insurance claims and doing roofing jobs. Many of us got together and had new roofs installed a couple of years ago( Thanks to 1 neighbor who did all the leg work) at a good price. Many of us knew our roofs were fine but at the end of their life expectancy. My impression is that we did the right thing and insurance claims now on 21 year old -20 year roofs- "MAY" just be bogus!

So guess you didn’t get the free roof inspection?

[retiredguy123]

I find it difficult to believe that insurance companies are so stupid that they will spend thousands of dollars to replace a 20 year old roof. I would not hire any roofer who shows up offering a free inspection, and I would not allow any contractor to deal directly with my insurance company. If I thought my roof was damaged by a weather event, I would file a claim. And, if the claim was rejected, I may ask a reputable roofer for a second opinion. But, I would always deal directly with the insurance company.

[CWGUY]

Originally Posted by Topspinmo

So guess you didn’t get the free roof inspection?

Unlike some here...... Anything FREE doesn't tickle ME.

I would not let anyone walk around on my roof. Also I do not do business with anyone who knocks on my door. Soliciting is against the rules ....... even when you think you are getting the deal of the century!

[CWGUY]

There is a small 4 page insert in today's Daily Sun from The Villages Insurance called THE HOMETOWN CONNECTION. Read the story on page 2 on the top left. Talks about this subject and the possible rate increases it could cause.

[photo1902]

Originally Posted by retiredguy123

I find it difficult to believe that insurance companies are so stupid that they will spend thousands of dollars to replace a 20 year old roof. I would not hire any roofer who shows up offering a free inspection, and I would not allow any contractor to deal directly with my insurance company. If I thought my roof was damaged by a weather event, I would file a claim. And, if the claim was rejected, I may ask a reputable roofer for a second opinion. But, I would always deal directly with the insurance company.

100% correct. And great advice.

[stan the man]

The Village cry "If it's free it's for me"

[CWGUY]

Originally Posted by CWGUY

There is a small 4 page insert in today's Daily Sun from The Villages Insurance called THE HOMETOWN CONNECTION. Read the story on page 2 on the top left. Talks about this subject and the possible rate increases it could cause.

Just looked and it has been added to their Web Site. Here's the link.

Story on page 2.

ATTENTION HOMEOWNERS!
HOME INSURANCE RATE INCREASE

http://www.thevillagesinsurance.com/...5/2020-May.pdf

[jacksonbrown]

Originally Posted by CWGUY

Just looked and it has been added to their Web Site. Here's the link. Story on page 2. ATTENTION HOMEOWNERS!
HOME INSURANCE RATE INCREASEhttp://www.thevillagesinsurance.com/...5/2020-May.pdf

And you write

"Contractors have and are continuing to target areas with aging roofs telling homeowners they have roof damage from a storm that happened many months ago, when in actuality the majority of damage is due to wear and tear. Homeowners see this as an opportunity to replace an older roof for “free”. We have been warning residents for the past year that this could happen. The Villages Insurance Team is aggressively exploring other markets, researching options to best meet the needs of our residents. "

Could it be that The Villages Insurance is getting calls from clientele who wonder why the company(s) it represents are refusing to honor their contractual relationship to their policy holders.

Please, TVI tell us the entire story. Tell us how the Florida Office Of Insurance Regulation, at the direction of the Florida Legislature has mandated the terms for storm damaged roof replacement.

The PDF smacks of the worst form of "faked" news, just to save TVI's commissions from companies that will not do what is right.

By the way, I was a P&C agency owner for over 25 years.