Offshoreonly.com - Insurance getting outta hand.

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What isn`t higher?!
I want reperation from Demorat voters.
Common all you Biden lovers on this site where are you now??
You owe me at minimum a lot of gas money , I have Zelle. Lets go put you money where your mouth was 2 years ago hating on that bad orange man and his mean tweats.

Quote:

Originally Posted by ICDEDPPL (Post 4857118)

They vanished like a virgin on prom night.

Quote:

Originally Posted by 36Tango (Post 4857114)

In the past couple of years, the insurance companies have determined that they will not be replacing metal roofs due to cosmetic damages (dents and dings). The roof must have damage to the extent that it leaks. They will repair the area of the leakage only, unless it can be proven that a certain percentage of the entire roof has leaks. Of course this is a huge change as far as coverage, but there has been no discounting of premiums. It would suck to get a visible roof banged up with hail and not get it replaced. Except for the LOTO house, all of our metal roofs are on commercial buildings where the metal is really not visible anyway.

That isn't completely true. As it sits right now our policy still allows full RCV for cosmetic damage. I am paying over $100k almost daily on metal roof claims because of scuffs in a roof that has zero leaks.

So it goes both ways.

Our new policy will allow for a cosmetic allowance though to help. People shouldn't be getting new roofs that are structurally great because of a dent. Do you get a new car for a door ding?

As far as percentage that is a FL guideline, not your insurance company. For a roof 1-3 years old and up to current code. 50% needs to be damaged or will need replacing for repair to get a full replacement..

For roof 4 years or older it goes down to 25% total to get to full replacement.

My comment on the metal (or tile for that matter) is that it was the suggestion to tell people they would have to replace a metal or tile roof every 10 years.

Quote:

Originally Posted by Wildman_grafix (Post 4857124)

My comment on the metal (or tile for that matter) is that it was the suggestion to tell people they would have to replace a metal or tile roof every 10 years.

I dont know a single carrier in FL that would stand by that. 10 year is for shingle roof only..

Metal/tile is more around 20 year to be dropped/non renewed and still isn't a 100% truth as the underwriting will review a file like that to see if it can stay on the books.

Quote:

Originally Posted by Hoodoo 2.0 (Post 4857119)

They vanished like a virgin on prom night.

Sorta like you and snuck back in with a new user I'D.

Just got my renewal Friday, went down 38 bucks. I was shocked!

Quote:

Originally Posted by Interceptor (Post 4857155)

Sorta like you and snuck back in with a new user I'D.

https://cimg0.ibsrv.net/gimg/www.off...1ed615f48.jpeg

I guess they are snooping around the house now? Got a letter saying homeowners won’t renew if I don’t get the “tree” off the roof.
https://cimg8.ibsrv.net/gimg/www.off...00e8ebf4e.jpeg

Quote:

Originally Posted by Hoodoo 2.0 (Post 4857211)

I guess they are snooping around the house now? Got a letter saying homeowners won’t renew if I don’t get the “tree” off the roof.
https://cimg8.ibsrv.net/gimg/www.off...00e8ebf4e.jpeg

Once a year underwriting goes by homes. Standard process, they look for clear things that present a risk to the home.

They use a 3rd party company usually who will drive by as well as use up to date satellite images..

Also did you gave q claim this year or place one for Ian? I ask as that photo looks like it was taken by a field adjuster.those same pictures can be used as well to flag under writing about a risk or concern to the home.