re: My homeowners premiums over the last 3 years

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This seems like a good thread for this question. My roof is 22 years old and in need of replacement. How can I get insurance to pay for atleast some of it?

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And this is part of the reason why premiums are so expensive.

Its called property maintenance and upkeep. That's your responsibility as the homeowner. People put off regular maintenance and then wait for a storm to cause damage so they can try to claim it on their insurance.

Do you want your insurance company to change your carpet too because its gotten old and worn from years of use?

Welcome to South Louisiana, it's almost like the states been hit by 10 hurricanes in the last 4 years.

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quote:This seems like a good thread for this question. My roof is 22 years old and in need of replacement. How can I get insurance to pay for atleast some of it? And this is part of the reason why premiums are so expensive. Its called property maintenance and upkeep. That's your responsibility as the homeowner. People put off regular maintenance and then wait for a storm to cause damage so they can try to claim it on their insurance.

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Are they going to keep the premium the same or go down if I replace my roof? No-they are still going to go up.

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And this is part of the reason why premiums are so expensive.

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It's no different than why auto insurance in LA is so expensive. Every fender bender is $50k+, and any big truck accident is $200k+.


So what's the solution as a consumer?
Do the right thing and don't sue when you are hit from behind in a fender bender? Or get your money in a frivoulous lawsuit since you're already paying for it with higher premiums?
Do the right thing and pay for your own roof b/c it's 15 years old? Or have some roof company dude come by and show that you had minor hail damage from 3 years ago and get a new roof for free since you're already paying for it in higher premiums?

I used to be in the do the right thing box b/c i'm a decent human being, but i'm sick and fricking tired of doing the right thing and paying for myself while also having to pay for others to be pieces of shite. I'm sick and tired of pieces of shite walking out of stores stealing merchandise with little to no repercussions. I think the only way to fix this ridiculous pattern is to go all in with it until the people who can actually make the necessary changes realize the system is broken b/c the everyday person is abusing the system and it's no longer sustainable. And i think we are getting close to this point.

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Actually most companies will reduce your rate if you replace your roof.

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I replaced my roof when I bought in year 1 in the picture in OP….

It’s not just SELA. Premiums for all homes are up close to 50% for everyone over the past 4 years

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It's no different than why auto insurance in LA is so expensive. Every fender bender is $50k+, and any big truck accident is $200k+.

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this morning while driving in past the endless injury attorney bill boards, i heard a radio advertisement that was geared towards injury lawyers for a service saying they could track all their clients medical records in one place. That is how bad Louisiana has gotten.

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Actually most companies will reduce your rate if you replace your roof.

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Citizens would not insure me unless I got a new roof.

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I believe it. There are a lot of new companies that are writing ins SELA that require a roof to be 5 years or newer to be place with them. Sagesure just increased their requirements to 12 years in High Hazard areas, it used to be 5.