[PompeyKing]

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

[JohnN]

I use Progressive with a 2012 roof. They raised my rates over the years, but still somewhat reasonable considering the way insurance works these days. I'm curious, what about your 2015 roof wasn't up to the 2020 code? 2015 is still a pretty new roof.

[RMore49]

I recently moved everything to SF. My house was built in 2016.

[CoachKandSportsguy]

Originally Posted by PompeyKing

Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020.

https://www.floridabuilding.org/fbc/...52820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck

[Altavia]

I'd be tempted to upgrade the roof to mitigate the risk of having water damages and dealing with the aftermath.

The value of the home will increase also.

[GpaVader]

We have a newer home, started with Allstate, had them back home and suddenly all my rates jumped. Moved to SF and no surprises yet...The only other trick to watch is understanding when you switch if you are getting the low introductory rate and when that ends and what that means...

[Byte1]

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

[JGibson]

Progressive is dropping folks like a bad habit.

[Topspinmo]

Originally Posted by PompeyKing

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

Don’t you know insurance is legalized racketeering

[Topspinmo]

Originally Posted by Altavia

I'd be tempted to upgrade the roof to mitigate the risk of having water damages and dealing with the aftermath.

The value of the home will increase also.

I been tempted to change air in my tires, well cause it old

[Gatorfan1]

Originally Posted by PompeyKing

After Farmers Insurance left FL, I did a lot of research and decided to go with State Farm Insurance for home, auto & golf cart. I paid State Farm (SF) for the policy starting April 5th. Yesterday I received a phone call from my SF agent telling me that my homeowner insurance will be canceled effective 5/21/24 unless I can prove that my 2015 built home meets the Florida building code of 2020. To do that I would need to replace my 9 year old roof. I was told by one roofing company that SF was trying to limit their exposure since so many people had switched to SF. My agent said that to many people were getting new policies from SF. I’m just very disappointed with State Farm. I’m wondering if anyone else has had a similar experience?

352-245-2423. Abshier InsuranceAgency. We can take care of your insurance. Sharon, agent

[Topspinmo]

Originally Posted by CoachKandSportsguy

https://www.floridabuilding.org/fbc/...52820Final.pdf

Here are the changes for which your home probably doesn't comply.

As far as you being caught offsides by housing insurance, its happening everywhere in the US in the high risk areas, as the inflationary cost and values of houses have not caught up with the insurance rates, and insurance companies need to limit their risk of loss using legal means as the state regulator only allows a proportion of the cost increases to be passed to the customers.

sounds like a change of insurance companies is needed quickly and then followed up with a new roof in the next year or so. .

everyone is in the same boat, just at different rates by different insurance companies.

wish us all luck

No it’s insurance

[Gatorfan1]

Originally Posted by Byte1

Did Farmer's Insurance "leave" Florida? I am still covered by Farmer's this year, for my home.

Yes

[Spartan86]

Sorry for that. I commented elsewhere that I called SF for a quote and they would not write new insurance on my 2019 home. They indicated had I been insured with them for car coverage as of 1/1/2024 they potentially would have..

[PompeyKing]

Originally Posted by JohnN

I use Progressive with a 2012 roof. They raised my rates over the years, but still somewhat reasonable considering the way insurance works these days. I'm curious, what about your 2015 roof wasn't up to the 2020 code? 2015 is still a pretty new roof.

This is what I was emailed from my State Farm agent: Peel and stick applied directly to the entire roof deck or applied to all joints and seams of the roof deck. To comply with 2020 Florida building code

Two roofing companies said that they would have to remove the shingles in order to comply, thus a new roof!!