re: No homeowners insurance without new roof

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I got dropped in Florida over the roof. New insurance is $2k more per year.

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did you get dropped by USAA. I have USAA and have never made a claim, but I'm wondering what might happen with my insurance as I am in southwest LA...approx. 10 mi south of I-10. haven't had any changes yet, but I would assume it's coming..??

Disclosure: I own a roofing company.

So here's what I know. There are 2 VERY IMPORTANT dates coming up. Date #1 is January 2023. There is going to be another exodus of homeowner insurance company's away from Louisiana. What's that mean for you? You won't be left with many options. I've been told that these other options are going to insure your home and then raise your rates as much as 60%!

This leads me to important date #2.

October 2022. Farm Bureau is insuring ALL roofs BUT 1 of the 4 following must happen or have happened.

1: If you are a member of the company and your roof has been replaced within the last 5 years, they are going to offer you a LARGE DISCOUNT. Crazy to see insurance company and discount in the same sentence but so I've been told, it's going to happen.

2: If you aren't a member of the company and have had your roof replaced within 5 years, they want to insure you. That also comes with the LARGE DISCOUNT.

3: If you are a member of the company but haven't had your roof replaced within the last 5 years, reach out to a company agent and find what you need to do in order to do so. Also note that if you are a current member and don't have your roof replaced by a certain date (haven't gotten a date yet), they are going to potentially drop you.

4: Lastly, if you aren't a member of the company and haven't had your roof replaced within the last 5 years they still want to insure you. Just reach out to the company agent and he will be able to tell the steps to follow.

I really hope everyone takes this to heart and truly shares it. I've seen so much in 3 years from insurance companies that don't treat their customers right. My insurance was dropped in June. I wasn't worried at all because I knew who I would call to insure everything. In my opinion, Farm Bureau is consistently in the top 3 for taking care of their people.

Here’s a link about the rate hike.

LINK

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I believe the FL law states that if an inspection shows that the roof is good for at least 5 more years, the insurance company can't force you to get a new roof.

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I dunno about Florida law, nut if it is like here they can find a way to cancel, but one thing they can do is cover your rough at ACV instead of replacement value

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Your quote below suggests otherwise. You even put "Storm Damage" in quotations.

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Yes...because if you put "hail damage" it's a different type of claim in La. Storm damage can include hail but can also include wind caused damage so filing a claim for "storm damage" will inevitably help the claim get processed because the a-hole insurance companies will fight you ar every turn to pay valid claims for damage caused from storms. If you file a claim for hail damage they'll try to avoid paying for anything caused by wind...again, because they're greedy scum of the earth type people.

i

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Yes...because if you put "hail damage" it's a different type of claim in La. Storm damage can include hail but can also include wind caused damage so filing a claim for "storm damage" will inevitably help the claim get processed because the a-hole insurance companies will fight you ar every turn to pay valid claims for damage caused from storms. If you file a claim for hail damage they'll try to avoid paying for anything caused by wind...again, because they're greedy scum of the earth type people.

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There is no difference in the claim unless it’s a named storm, otherwise it falls under the standard deductible.

Yes you’re the one trying to scam the insurance companies for a new roof because it’s old and “damaged” but the insurance companies are the problem

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There is no difference in the claim unless it’s a named storm, otherwise it falls under the standard deductible.

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The deductible is a completely different story but if you're filing a claim for hail damage the adjuster will inspect hail damage (not wind damage / storm damage). It is possible that a roof has wind and hail damage (aka storm damage) but if you file hail damage and one side of the roof shows hail but not wind damage (lifted shingles, etc.) they're going to work towards approving less money for a repair not replacement even though the entire roof has been damaged due to storms.

And again...as soon as you get the new roof from the coverage you paid for to protect against wind and hail damage, it's much easier to get another policy.

With so many roofs replaced in this state after hurricane Katrina the insurance companies know they can't afford to replace them all again so they're threatening to drop people if they don't pay out of pocket to replace them on their own. So IF you live in an area with verified storms in the past two years and IF you have legitimate storm damage, file a claim and get your roof replaced. If they drop so, you be it, you can find another policy likely with better coverage for a lower premium.

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With so many roofs replaced in this state after hurricane Katrina the insurance companies know they can't afford to replace them all again so they're threatening to drop people if they don't pay out of pocket to replace them on their own.

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God forbid that an insurance company expects people to do routine upkeep that comes with homeownership (like replacing their roofs after they've had years of wear and tear from Louisiana weather) instead of delaying such maintenance until a storm damages that worn down roof so that the replacement is always on their insurance company's dime. And then people wonder why insurance rates are so high.

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God forbid that an insurance company expects people to do routine upkeep that comes with homeownership (like replacing their roofs after they've had years of wear and tear from Louisiana weather) instead of delaying such maintenance until a storm damages that worn down roof so that the replacement is always on their insurance company's dime. And then people wonder why insurance rates are so high.

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Exactly, but these simpletons think they are fricking over the insurance companies when in reality they’re fricking themselves over. By the end of 2023, there will be maybe a handful of carriers left in FL and LA. With Ian it may be lights out for us here in FL

yep.

you pay for new shite

then they'll insure it for an obscene premium

welcome to insurance in 2022

We got a new roof in June of 2021. In July of 2021 the insurance company came by and took photos of the new roof. They sent us a letter because some twigs were on the roof. They threatened to cancel because the twigs proved we don't "take care of our roof". My husband had to get on a ladder, remove the twigs, and send photos to them so they would not cancel our policy. We live in Baton Rouge.