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Message
re: No homeowners insurance without new roof
Posted on 10/4/22 at 10:42 am to Teddy1388
Posted on 10/4/22 at 10:42 am to Teddy1388
Are we? Might be why I haven't been given a hard time about mine yet.
I dont think I can go back to a shingle roof. Metal is so nice. Easy to DIY, and it's damn nice to not have to worry about it much.
I dont think I can go back to a shingle roof. Metal is so nice. Easy to DIY, and it's damn nice to not have to worry about it much.
1
Posted on 10/4/22 at 10:46 am to doublecutter
quote:
Is this a thing with all insurance companies?
Yes, very common.
Welcome to home ownership.
Posted on 10/4/22 at 10:52 am to doublecutter
The “30 year” roof doesn’t last 30 years in the south, especially on the coast. Florida just passed a law that prevents companies from declining just because of age. However, it doesn’t preclude declinations for condition.
At 10-15 years you’re going to have granular loss and signs of cupping in most instances
At 10-15 years you’re going to have granular loss and signs of cupping in most instances
Posted on 10/4/22 at 10:55 am to DownshiftAndFloorIt
quote:
I dont think I can go back to a shingle roof. Metal is so nice. Easy to DIY, and it's damn nice to not have to worry about it much.
Depends on area, builders and insurance companies vary on metal roofs in some areas because of leaks with expending and contracting metal. Also many insurance companies excluded cosmetic damage from claims such as falling tree limbs and hail damage. There is a house here with a high end metal roof that looks like a 1998 Toyota Corolla that was hit by 300 golf balls.
Posted on 10/4/22 at 10:56 am to doublecutter
quote:yes...happened to me last year
Is this a thing with all insurance companies?
Find a roofing company that can verify a hail storm in your area while you had coverage within the last two years and file a claim due to "storm damage"
You'll pay your deductible get get a new roof. If they do drop you you can easily find a new policy with lower rates because of the roof they just paid for.
Posted on 10/4/22 at 11:00 am to Dragula
quote:
house here with a high end metal roof that looks like a 1998 Toyota Corolla that was hit by 300 golf balls
You talking about mine? Ida put some tree limbs through mine and it's all fricked up now. Still not leaking though due to some real redneck patchwork.
I did have to change all the screws in mine at ~25 years old. It's heavy gauge corrugated with regular ol screws into purlins. Having 2x4 purlins helps.
Posted on 10/4/22 at 11:06 am to LSUfan4444
quote:
Find a roofing company that can verify a hail storm in your area while you had coverage within the last two years and file a claim due to "storm damage" You'll pay your deductible get get a new roof. If they do drop you you can easily find a new policy with
Terrible advice in todays market, but sure go for it
Posted on 10/4/22 at 11:09 am to doublecutter
Did previous insurer pay for a roof he didn’t actually replace?
Posted on 10/4/22 at 11:17 am to DCtiger1
quote:
Terrible advice in todays market, but sure go for it
The alternative is paying out of pocket for a new roof otherwise it's LA Citizens. It's what they want homeowners to do. They want to strong arm homeowners in paying for a new roof OOP. File a legitimate claim and put it on the underwriter if they want to drop you..if they do, you can find a new policy much easier with a new roof.
Posted on 10/4/22 at 11:22 am to doublecutter
Insurance companies deserve every bad thing said about them.
My kid's have a house that they filed an insurance claim for a hail storm and the company said the roof wasn't damaged, but when the policy renewed they said they were cancelling them because of the roof.
My kid's have a house that they filed an insurance claim for a hail storm and the company said the roof wasn't damaged, but when the policy renewed they said they were cancelling them because of the roof.
Posted on 10/4/22 at 11:23 am to LSUfan4444
First off, your strategy of finding a roof company to claim there is damage from a hail storm and cover full replacement is part of the reason insurance prices are so high.
You’re essentially encouraging fraud to get a new roof. Good luck getting coverage with carriers moving forward with that roof claim btw.
You’re essentially encouraging fraud to get a new roof. Good luck getting coverage with carriers moving forward with that roof claim btw.
Posted on 10/4/22 at 11:28 am to WyattEarp
quote:
See if they will put the roof on actual cash value settlement instead of replacement cost.
And then right after the next storm OP will be back here complaining his insurance will only pay him a fraction of the cost to replace a 30 year old roof that got damaged.
Posted on 10/4/22 at 11:34 am to Cymry Teigr
quote:
And then right after the next storm OP will be back here complaining his insurance will only pay him a fraction of the cost to replace a 30 year old roof that got damaged.
You know it, along with the hurricane deductible
Posted on 10/4/22 at 11:39 am to DCtiger1
quote:
First off, your strategy of finding a roof company to claim there is damage from a hail storm and cover full replacement is part of the reason insurance prices are so high.
That's just flat our incorrect. Homeowners fal to kake valid claims all the time for roof damage. Out of fear of being dropped, out of fear of increased rates but the damage is real and happens all the time, people just don't file claims. That damage is exactly why people have homeowners insurance. When a storm causes damage and there is a policy in place to cover it you're better off filing a claim because even if you don't...the insurance company will just drop you at some point simply because they never replace the roof you paid them to insure in the first place.
quote:
You’re essentially encouraging fraud to get a new roof. Good luck getting coverage with carriers moving forward with that roof claim btw.
Not at all. I am encouraging filing valid claims for valid storm damage and getting a new policy with a new roof is not hard at all.
Posted on 10/4/22 at 11:59 am to LSUfan4444
quote:
Not at all. I am encouraging filing valid claims for valid storm damage and getting a new policy with a new roof is not hard at all.
Your quote below suggests otherwise. You even put "Storm Damage" in quotations.
quote:
Find a roofing company that can verify a hail storm in your area while you had coverage within the last two years and file a claim due to "storm damage"
Posted on 10/4/22 at 12:05 pm to doublecutter
Sure has opened to writing again but they are requiring a roof be 5 years or newer.
Centauri has opened again to, I do not believe they currently have this requirement
Pretty much no standard lines companies even before IDA let you have a roof older than 15-20
Looks like you are headed for citizens unless you can somehow qualify for USAA
Centauri has opened again to, I do not believe they currently have this requirement
Pretty much no standard lines companies even before IDA let you have a roof older than 15-20
Looks like you are headed for citizens unless you can somehow qualify for USAA
Posted on 10/4/22 at 12:11 pm to doublecutter
If you’re in Louisiana, try farmers. State Farm dropped me for the same reason 30 year roof installed in 2009.
Posted on 10/4/22 at 12:21 pm to doublecutter
Mine is a 35 year shingle and has been on since 2007. I tried getting competitive quotes, but most said the same thing. Sticking with Travelers for now.
Posted on 10/4/22 at 12:33 pm to HubbaBubba
quote:
Mine is a 35 year shingle and has been on since 2007. I tried getting competitive quotes, but most said the same thing. Sticking with Travelers for now.
Its 35 years from basic weather, not from tropical storm force winds. That's the issue.
A new roof really isn't that expensive when they are basic. The problem is when you get all fancy with architecture they become a PITA.
Posted on 10/4/22 at 12:35 pm to baldona
Right. The warranty is a 35 year warranty. It has nothing to do with how long it actually lasts from the weather in the south.
Insurance companies don’t really look at metal roofs any differently than shingle. Clay tile may be the only exception
Insurance companies don’t really look at metal roofs any differently than shingle. Clay tile may be the only exception
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