This is why you buy a one story solid concrete house, in an area that has zero chance of flood damage, invest in a standing seem metal roof, and have triple pane windows. I am not participating in this nonsense and have ultimate peace of mind.
Sometimes people live in areas that get hail and don't want to move. That's what insurance is for. Also, seamed metal roofs are far from impervious from hail. They get beat to hell with anything over a quarter sized hail hit. Sorry but your suggestion of moving into a new area and buying a brick concrete house is laughable since high wind and hail can happen in most parts of the country. Also, triple pane windows still break, same as double pane and it's usually the frame that totals out a window since vinyl is breakable no matter how many panes you have.
If he spent half as much time fixing actual problems with his state that he spent fighting Disney, math, and the LGBTQ+ community, he might have gotten things done, by now.
Yes, it's called slate but is cost prohibitive and requires extra reinforcement throughout the home, largely the rafters . Also a quality laminate shingle in class 4 can take up to golf ball sized hail without damage and many shingles have a 130 mph wind rating as well. Mother nature can be brutal tho and once the hail gets big enough, all bets are off. That's why we have insurance and pay big premiums.
Well replacing roofs and not fixing them (especially this much) wasn't really part of the deal. If people want super roof insurance they can pay $1k a month
@@kayakexcursions5570 Lol you obviously don't know how the world works but I'll spell it out. Insurance isn't for wear and tear. CAR Insurance doesn't replace your tires every couple years. You can buy a seperate plan for replacement but not use insurance for bald tires. You dope
@@26longlongtime This isn't about car insurance, life insurance, or your butthurt insurance. The law says any roof damage resulting from a storm deems a full replacement. Period. That's how it really works.
American Integrity presideny just said their biggest department is their legal dpmt so their allowed an entire legal team (and lobbiests), but homeowners shouldn't get their own roofer or attorney involved to hold them in check?!
Alert..?on solar scams too! The electric companies sub contract out and these guys end up telling you that you need a new roof....its all a scam to spread the money 👎👎👎👎
I previously lived in Virgina Beach and survived several hurricanes. How does Virgina not have these issues by Florida does? Florida is allowing roofing companies to scam the state.
I have the unique position of being involved in the insurance industry prior to becoming a roofing contractor and I can tell you that the insurance companies are far more crooked than roofers. The reason why they're being sued is they are intentionally denying claims that should be paid and/or shorting the payouts. Years ago at a huge seminar for farmers agents one of the executives got up and bragged about how they saved millions of dollars by not paying homeowners and rather paying the fines to the state.
@@allaboutroofing2 thanks for sharing the truth! It's amazing how many people would rather defend their captors(insurance), like they have Stockholm syndrome.
Thank you so much for providing this information. Unfortunately, most people are too dishonest today to heed your warning. They want their FREE ROOF. Those who can do so are much better off self-insuring today. The cost of insurance no longer has much to do the statistical chances of getting catastrophic hurricane damage. Today's rates reflect the NEW reality that the insurer is now on the hook for new roofs for everyone every 10 years of so. These scammers should be prosecuted and jailed. Call your Congressman.
Ok...let's sit here and pretend Insurance Companies aren't the biggest scammers in the country. They will do anything to not have to pay for a thing... if the roof was assessed and shown to have damage then what is the issue with replacing it? I think a bigger problem would lie if the roofer suggested lying or even damaging the roof to get approval... All that's happening here is the home owner being made aware of what may be available to him as a result of unknown damage. But insurance companies don't want us to know that... or else they would tell you.. 🤔 BTW....he can afford to pay for his own roof replacement because... HE WORKS FOR INSURANCE ...go figure...
It's not a scam to tell a homeowner they need a new roof if their roof is damaged and their was a storm in the previous year. It's only a scam if they intentionally damage a roof to make it look like hail. It does happen, but is blantant fraud and not very common.
What is the roofing companies scam? The insurance company comes out and inspects the roof. They are the ones denying claims that should be paid. If there wasn't damage to justify a lawsuit, there wouldn't be any. If anything the rates are going up due to an increase in frequency of storms, be it hail wind or a hurricane and greed by large insurers. The rates are going up in the insurance companies are getting richer than ever. You do the math.
@@allaboutroofing2 Lol. P & C insurance isn't very profitable. Most have underwriting loses. It is a volume model. They rely on investment of advanced premium. There is a reason a lot of the "greedy" insurance companies are leaving the state or filing bankruptcy -- it is not profitable. Home insurance isn't a maintenance policy. Roofs needs to be ACV, not replacement cost. Folks use storms as a excuse to replace their worn out roofs. Home insurers shouldn't be required to replace someone's 15 to 20 year old roof with a new -- regardless of cause.
Maybe the insurance companies should just pay the darn claim to begin with! Some like to blame lawyers and predatory roofers, but if the claim is even close to valid, the bean counters and insurance companies need to just pay out, now after the hurricane IAN, we will se how terrible it will be for people to get their claims paid and have the money to pay the full deductible as the new law states. This of course is supposed to be what happens anyway. I have a huge issue when a home owner has his contract(policy) with the insurance company, and due to the new passed law that took effect July 2022, the insurance company now forces the homeowner to show them PROOF the paid the deductible to the roofer or contractor for the repairs set out on the claim. So, and insurance company can now basically dictate what another private contract, between homeowner and contractor says and carrys out. No way in my mind is this gonna happen without huge legal pushback from the homeowners side, we all will see what happens, but when many people do NOT have the money to pay the required deducible, their house will sit and sit, not be fixed or rebuilt. Previously, the insurance company figured the actual damage, what the cost of the damage was, and then DEDUCTED the amount of the deductible, and whether or not the roofer was OK with accepting that amount, is between the homeowner and the roofer, not the insurance company. This just one big issue with the new laws.
@@pl6935 and homeowners are being scammed by insurance companies. Imagine the government mandating that you must have insurance on your vehicle and then not regulate how much you can be charged for a FOR PROFIT COMPANY. Lol oh wait that’s happening as we speak. ZERO sympathy
Unless they created the damage there's no fraud by the roofer. To point out to a homeowner that never gets on their own roof that their roof is damaged and qualifies for insurance replacement is a service since there are deadlines on filing after a date of loss. Holding an insurance company liable for the insurance you pay for it is absolutely not fraud.
Nah, government solutions are not the answer. There is no efficient government agency and I would argue it would be abused by companies/peopled even further. Insurance field needs an overhaul in regulation though. The constant evasion of paying legitimate claims by these companies need to be held accountable.
@@jtelk4708 The private sectors already abuse their power though. So your argument is invalid. Just look at healthcare which has been left with the private sector and it has gotten out of control. Car insurances already give people a hard time if they need to make a claim and home insurer picks and chooses what they pay for. Fuck em
@@timetraveler9218 it’s not about trusting the private sector. It’s about how the private sector interacts with a legislative body, like our govt. It can be done right when they balance each other out. The private sector can run far more efficiently than any other government enterprise. What government operated organization is efficient that faces its citizens? USPS (heavily govt subsidized biz) Nope. State Run DMVs? Nope.
Wait a sec, the insurance companies are getting hammered in the courts because judges and juries disagree with their denials but somehow insurance companies are the victims?
People need to do their research, you don't just magically get a free new roof, with no consequences. We are all paying for it now, but I hope those that did get free roofs get the worst of the rate hikes.
Good day Irina. I will still subscribe to your vlogs and RUclips videos after this video.. I love your content as well as your methods of gathering information and presenting them. I respected your choice then not to do vlogs and videos on the war by the Russians. The hurt you're feeling i will never say I know and must understand your choice. If you now feel you must say something in this video, based on the developments you described; it is even more understandable. Yes I watch the Steven's Vlogs and have seen previously some the things you have highlighted in this video about their comments on Cremear and the war itself. I was disappointed by some of their statements on the war and Cremeanr; knowing what I have read for years. I had to put it to limited knowledge and indirect impact and effects. Russians will be able to go back and still see Russia standing but the opposite for Ukrainians. I believe opinions usual varies person to person etc. Some opinions are limited due to the knowledge they have and to some extent a willingness or unwillingness to know. Some because it uncomfortable and or its NIMBY (its Not In My Backyard) syndrome. War is never good because so many innocent people are killed and homes destroyed forever. You can't ignore the human rights violations of this entire war. I can't see anything good about the war.. it is crazy.. Irina please continue to do what you do. Hopefully the war ends soon, and Ukraine will be rebuilt with the aid of the West and rest of the world. So many lives and historical structure lost and family life and homes destroyed by this senseless Russian aggression called war. Irina please keep safe..
yall making it like it's all the roofing company fault, it takes two to tangle. I too got a solicitation from a lawfirm, i choose not to do it bc I know it's ethically wrong. I wasn't born yesterday, neither does any of these home owner. It's both the roofing company and the home owner that said yes to it.
This should be slander! Your insurance company and governor are working together to screw you. If it wasn't for the roofer educating the homeowner on what they are entitled to, the insurance company will, as they've always done, take advantage of the homeowner. They send letters to homeowners threatening to drop them if they don't replace a 10 year old roof, but they won't also say in that letter.. but we could send someone to inspect the roof and if there's any damage from a storm, we will help pay for the new roof minus your deductible. And so, homeowners don't always know better and then pay out of pocket for their new roof, in fear of being dropped. Shame on the governor and the insurance companies who are taking and trying their hardest to not give back. You pay for insurance. You are entitled to file a claim. Also, a storm is an act of God, and ethically shouldn't raise your rate. This is pure propaganda from the insurance companies, who are not doing as they promised when they signed you up. File your claim today! Don't let your insurance company or governor cheat you anymore!
I agree, however it should be looked at by a qualified roofer prior to filing a claim. There are minium requirements to qualify, most require 6-10 hail hits per 100 square foot for full replacement. I'd also encourage homeowners to be present during a roofer inspection and either get on their roof with them, or watch from the ground since outright fraud and roofers causing damage to get over that threshold isn't all that uncommon. There is nothing wrong with the text that the roofer sent in my opinion tho and the insurance industry is crooked as hell, often intentionally shorting the payouts and requiring contractors to fight to get paid what they should have. Example, state farm wants roofers to reuse pipe jacks and drip edge even tho a pipe jack last 10 years and a roof can last 30 and drip edge has nail penetrations from the removal of the old roof and should be replaced in most cases. It's not right to not pay for something that is routinely replaced on a roof and won't pass inspection if the roofer tries to cut corners since they aren't reimbursed or it takes months to get the difference from insurance. If roofers didn't advocate for homeowners, the insurance is off the hook and only allow a year or two from date of loss to file a claim. Funny how insurance is trying to play the victim for homeowners filing a claim. It's not fraud to ask for the insurance benefit you pay so much for. I recently asked a State farm agent why they weren't paying for pipe jacks and drip edge in his response was because of a lot of roofers were collecting the money and not replacing them. My response was so because of a few dishonest roofers you're punishing the homeowners by underpaying the claim? He didn't have a reply. P.s. I now record my entire inspection so I am not accused of anything fishy. I once was accused of fraud on a roof I had never been on since I was contacted the day prior to the insurance inspection which I attended. Also, about 70% of claims are shorted one way or the other by insurance and requires software that cost a couple thousand dollars a year to prove it to the insurance and justify what should have been paid. Never trust your insurance company to do the right thing.
Roofer educating? Lol. An honest roofer would tell the homeowner their old worn out roof was damaged because it wasn't maintained -- it is a wear and tear item. Honest roofers don't go door to door, cold call or text people.
@@ang844 Of course there are storms in Florida. The point, just because a storm damages a 15 to 20 year old roof, doesn't mean they are untitled to a new one.
More like multiple storms over 15-20 years, which they've NEVER filed a claim for.. The average homeowner doesn't know the damage that any one of those storms caused, unless it were an obvious one. There are those damages that go unnoticed, and then turn into bigger problems in a year or two, storm after storm, making it worse. Does the insurance company call you after a storm hits and asks how your roof is? That would be some service... You pay insurance each month for years. People, stop being brainwashed. It's simple.. know your coverage, and find a reputable contractor to help you. Sure there are scumbags out there, but get referrals and find someone that will guide you through the claim process, so that you know what's going on AND is your best shot at getting approved. Insurance companies won't help you get approved. Ask them? See how far that gets you. They glady accept your monthly payments, but they'll find anyway to deny you, if you leave yourself open to that. Especially, those homeowners who don't really know how to read their policies and know what they are entitled to.
Well, I have to agree with you on that statement. Keep in mind, the Snow Birds aka SCUMBAG we Natives call New Yorker's, have given our State a bad reputation 4 scamming & it's these New Yorker's who have been moving down here 4 decades 2 ESCAPE their criminal past, & only to start up their same scamming down here!! The irony now is, these New York scammers are scamming their own fellow New Yorker's because there are no more true Native Floridian's left in my Home State. 🤣🤣🤣🤣🤣🤣😜😜😜🤦🤦🤦
Wonder why they don't make a news report also including how much profit they still make after covering all these homes at the end of the year
This is why you buy a one story solid concrete house, in an area that has zero chance of flood damage, invest in a standing seem metal roof, and have triple pane windows. I am not participating in this nonsense and have ultimate peace of mind.
Sometimes people live in areas that get hail and don't want to move. That's what insurance is for. Also, seamed metal roofs are far from impervious from hail. They get beat to hell with anything over a quarter sized hail hit. Sorry but your suggestion of moving into a new area and buying a brick concrete house is laughable since high wind and hail can happen in most parts of the country. Also, triple pane windows still break, same as double pane and it's usually the frame that totals out a window since vinyl is breakable no matter how many panes you have.
@@allaboutroofing2 this video is about Florida. Rarely does anyone experience hail from Ocala FL and south.
Sounds like a Walmart
DeSantis needs to do a lot more. Many homeowners are receiving non-renewal notices from their insurance companies.
Exactly.. the insurance company are dropping people saying they need new roofs and wonder why this is happening 🤔
If he spent half as much time fixing actual problems with his state that he spent fighting Disney, math, and the LGBTQ+ community, he might have gotten things done, by now.
@@googamp32 bingo!
I won't pay more insurance once I pay off my mortgage. I better pay for the home repairs out of my pocket.
What if it burns down? Or Wind Damage
That's the best thing because the insurance claim will be denied and your insurance will go up approximately $1.000.00 just because you filed a claim.
So the guy that works for the insurance company is saying not to file homeowner’s claims? Got it
The insurance company is going to deny your claim any way so it doesn't matter.
Nobody can figure out a new roof design that lasts? I think everyone is being scammed already.
Yes, it's called slate but is cost prohibitive and requires extra reinforcement throughout the home, largely the rafters . Also a quality laminate shingle in class 4 can take up to golf ball sized hail without damage and many shingles have a 130 mph wind rating as well. Mother nature can be brutal tho and once the hail gets big enough, all bets are off. That's why we have insurance and pay big premiums.
It’s a shame that insurance companies have to honor the contract. LOL
Well replacing roofs and not fixing them (especially this much) wasn't really part of the deal. If people want super roof insurance they can pay $1k a month
Exactly, this is the dumbest segment I've seen. Technology destroys insurance companies so now we are supposed to blame Capitalism?
@@26longlongtime That is part of the deal you dope. It's literally the law. Do you know how to pay attention?
@@kayakexcursions5570 Lol you obviously don't know how the world works but I'll spell it out. Insurance isn't for wear and tear. CAR Insurance doesn't replace your tires every couple years. You can buy a seperate plan for replacement but not use insurance for bald tires. You dope
@@26longlongtime This isn't about car insurance, life insurance, or your butthurt insurance. The law says any roof damage resulting from a storm deems a full replacement. Period. That's how it really works.
American Integrity presideny just said their biggest department is their legal dpmt so their allowed an entire legal team (and lobbiests), but homeowners shouldn't get their own roofer or attorney involved to hold them in check?!
Insurance companies are the scammers lol
Exactly
Alert..?on solar scams too! The electric companies sub contract out and these guys end up telling you that you need a new roof....its all a scam to spread the money 👎👎👎👎
BINGO! I'm relieved to see that some people can see through this. Insurance will do anything they can to get out of claim that they rightfully owe.
Never never answer a text if you don't know who it is common sense folks
Roofing USA tried to bait me with this scam.
a scam is a roofer looking for customers? in my county in Tennessee roofers have list over a year long they return calls not send .
I previously lived in Virgina Beach and survived several hurricanes. How does Virgina not have these issues by Florida does? Florida is allowing roofing companies to scam the state.
@@heymikeylikesit1 yep. It all goes back to lawyers.
@@davido3746 BECAUSE ITS LEGAL TO HOLD THE INSURANCE COMPANIES ACCOUNTABLE
Virginia Beach compared to south Florida. I live in Florida, we get most hurricanes and higher categories hurricanes too.
I have the unique position of being involved in the insurance industry prior to becoming a roofing contractor and I can tell you that the insurance companies are far more crooked than roofers. The reason why they're being sued is they are intentionally denying claims that should be paid and/or shorting the payouts. Years ago at a huge seminar for farmers agents one of the executives got up and bragged about how they saved millions of dollars by not paying homeowners and rather paying the fines to the state.
@@allaboutroofing2 thanks for sharing the truth! It's amazing how many people would rather defend their captors(insurance), like they have Stockholm syndrome.
Thank you so much for providing this information. Unfortunately, most people are too dishonest today to heed your warning. They want their FREE ROOF. Those who can do so are much better off self-insuring today. The cost of insurance no longer has much to do the statistical chances of getting catastrophic hurricane damage. Today's rates reflect the NEW reality that the insurer is now on the hook for new roofs for everyone every 10 years of so. These scammers should be prosecuted and jailed. Call your Congressman.
What happens when nobody does the right thing
Ok...let's sit here and pretend Insurance Companies aren't the biggest scammers in the country. They will do anything to not have to pay for a thing... if the roof was assessed and shown to have damage then what is the issue with replacing it? I think a bigger problem would lie if the roofer suggested lying or even damaging the roof to get approval... All that's happening here is the home owner being made aware of what may be available to him as a result of unknown damage. But insurance companies don't want us to know that... or else they would tell you.. 🤔
BTW....he can afford to pay for his own roof replacement because... HE WORKS FOR INSURANCE ...go figure...
The scam in California is SCE sending sub contractors to sell solar panels...Then they tell home owner they need a new roof 👎👎👎👎👎
It's not a scam to tell a homeowner they need a new roof if their roof is damaged and their was a storm in the previous year. It's only a scam if they intentionally damage a roof to make it look like hail. It does happen, but is blantant fraud and not very common.
@@allaboutroofing2 there*
And people want their student loans forgiven?! They don't even know their homophones.
@CorranHorn84 I don't want students loans forgiven, ya off topic imbecile grammar ñazī. Do you have any friends at all?
Every body gets a piece of the money
This is why our policies in FL are so high. Insurance roofing scams like crazy here
What is the roofing companies scam? The insurance company comes out and inspects the roof. They are the ones denying claims that should be paid. If there wasn't damage to justify a lawsuit, there wouldn't be any. If anything the rates are going up due to an increase in frequency of storms, be it hail wind or a hurricane and greed by large insurers. The rates are going up in the insurance companies are getting richer than ever. You do the math.
@@allaboutroofing2 Lol. P & C insurance isn't very profitable. Most have underwriting loses. It is a volume model. They rely on investment of advanced premium. There is a reason a lot of the "greedy" insurance companies are leaving the state or filing bankruptcy -- it is not profitable. Home insurance isn't a maintenance policy. Roofs needs to be ACV, not replacement cost. Folks use storms as a excuse to replace their worn out roofs. Home insurers shouldn't be required to replace someone's 15 to 20 year old roof with a new -- regardless of cause.
if u need a new roof whats the problem here? people are really being dropped from the insurance companies due to the roof being old.
Not all roofers are like this. A few bad actors give us all a bad name. I’m 100% transparent with my clients. This infuriates me to no end.
Maybe the insurance companies should just pay the darn claim to begin with! Some like to blame lawyers and predatory roofers, but if the claim is even close to valid, the bean counters and insurance companies need to just pay out, now after the hurricane IAN, we will se how terrible it will be for people to get their claims paid and have the money to pay the full deductible as the new law states. This of course is supposed to be what happens anyway. I have a huge issue when a home owner has his contract(policy) with the insurance company, and due to the new passed law that took effect July 2022, the insurance company now forces the homeowner to show them PROOF the paid the deductible to the roofer or contractor for the repairs set out on the claim. So, and insurance company can now basically dictate what another private contract, between homeowner and contractor says and carrys out. No way in my mind is this gonna happen without huge legal pushback from the homeowners side, we all will see what happens, but when many people do NOT have the money to pay the required deducible, their house will sit and sit, not be fixed or rebuilt. Previously, the insurance company figured the actual damage, what the cost of the damage was, and then DEDUCTED the amount of the deductible, and whether or not the roofer was OK with accepting that amount, is between the homeowner and the roofer, not the insurance company. This just one big issue with the new laws.
So if you want to sell your house the roof needs to be less than 10 years old too?
I have no sympathy for the multi trillion dollar insurance business.
why? They are being scammed by roofing companies and homeowners
@@pl6935 and homeowners are being scammed by insurance companies. Imagine the government mandating that you must have insurance on your vehicle and then not regulate how much you can be charged for a FOR PROFIT COMPANY. Lol oh wait that’s happening as we speak. ZERO sympathy
@@MindTesla how are homeowners being scammed by insurance companies? Please elaborate
@@pl6935 I hope you are joking.
@@MindTesla I'm not. Please tell me how they scam.
Florida homeowners say roofers are making the deal for a new roof too good to pass up. It's a disaster.
Unless they created the damage there's no fraud by the roofer. To point out to a homeowner that never gets on their own roof that their roof is damaged and qualifies for insurance replacement is a service since there are deadlines on filing after a date of loss. Holding an insurance company liable for the insurance you pay for it is absolutely not fraud.
Insurance should be a Government Institution. Insurance shouldnt be a For-Profit company. Its should just be like "Your house is damaged, lets fix it"
Nah, government solutions are not the answer. There is no efficient government agency and I would argue it would be abused by companies/peopled even further. Insurance field needs an overhaul in regulation though. The constant evasion of paying legitimate claims by these companies need to be held accountable.
@@jtelk4708 The private sectors already abuse their power though. So your argument is invalid.
Just look at healthcare which has been left with the private sector and it has gotten out of control.
Car insurances already give people a hard time if they need to make a claim and home insurer picks and chooses what they pay for. Fuck em
The government is never the answer.
@@deusvult6920 Right and we can trust the private sector? 😅🤣😂
@@timetraveler9218 it’s not about trusting the private sector. It’s about how the private sector interacts with a legislative body, like our govt. It can be done right when they balance each other out. The private sector can run far more efficiently than any other government enterprise. What government operated organization is efficient that faces its citizens? USPS (heavily govt subsidized biz) Nope. State Run DMVs? Nope.
I just got this email from some guy offering roof inspections.
Anybody else feel like hidden forces shorting Florida?
Florida does not care about consumers, and it shows! You have to sleep in the bed that you made. Most people forget this very basic detail.
The insurance companies refuse to work with the homeowners. If they did work proactively with the homeowners the lawyers would be out on their butts!
Nothing is free and now we are paying the bill. Contractors are destroying Florida and we are along for the ride.
Wait a sec, the insurance companies are getting hammered in the courts because judges and juries disagree with their denials but somehow insurance companies are the victims?
People need to do their research, you don't just magically get a free new roof, with no consequences. We are all paying for it now, but I hope those that did get free roofs get the worst of the rate hikes.
It’s not just there in Florida, it’s nation wide. These roofing companies are making billions cause it’s so easy.
Good day Irina. I will still subscribe to your vlogs and RUclips videos after this video.. I love your content as well as your methods of gathering information and presenting them.
I respected your choice then not to do vlogs and videos on the war by the Russians. The hurt you're feeling i will never say I know and must understand your choice. If you now feel you must say something in this video, based on the developments you described; it is even more understandable.
Yes I watch the Steven's Vlogs and have seen previously some the things you have highlighted in this video about their comments on Cremear and the war itself. I was disappointed by some of their statements on the war and Cremeanr; knowing what I have read for years. I had to put it to limited knowledge and indirect impact and effects. Russians will be able to go back and still see Russia standing but the opposite for Ukrainians.
I believe opinions usual varies person to person etc. Some opinions are limited due to the knowledge they have and to some extent a willingness or unwillingness to know. Some because it uncomfortable and or its NIMBY (its Not In My Backyard) syndrome.
War is never good because so many innocent people are killed and homes destroyed forever.
You can't ignore the human rights violations of this entire war. I can't see anything good about the war.. it is crazy..
Irina please continue to do what you do. Hopefully the war ends soon, and Ukraine will be rebuilt with the aid of the West and rest of the world. So many lives and historical structure lost and family life and homes destroyed by this senseless Russian aggression called war.
Irina please keep safe..
What a fucking surprise SMFH
yall making it like it's all the roofing company fault, it takes two to tangle. I too got a solicitation from a lawfirm, i choose not to do it bc I know it's ethically wrong. I wasn't born yesterday, neither does any of these home owner. It's both the roofing company and the home owner that said yes to it.
They did that in my old neighborhood. I hate thieves
So you hate your insurance company is what you're saying??
Hey DeSantis! Get on this instead of chasing mickey!
This should be slander! Your insurance company and governor are working together to screw you. If it wasn't for the roofer educating the homeowner on what they are entitled to, the insurance company will, as they've always done, take advantage of the homeowner. They send letters to homeowners threatening to drop them if they don't replace a 10 year old roof, but they won't also say in that letter.. but we could send someone to inspect the roof and if there's any damage from a storm, we will help pay for the new roof minus your deductible. And so, homeowners don't always know better and then pay out of pocket for their new roof, in fear of being dropped. Shame on the governor and the insurance companies who are taking and trying their hardest to not give back. You pay for insurance. You are entitled to file a claim. Also, a storm is an act of God, and ethically shouldn't raise your rate. This is pure propaganda from the insurance companies, who are not doing as they promised when they signed you up. File your claim today! Don't let your insurance company or governor cheat you anymore!
I agree, however it should be looked at by a qualified roofer prior to filing a claim. There are minium requirements to qualify, most require 6-10 hail hits per 100 square foot for full replacement. I'd also encourage homeowners to be present during a roofer inspection and either get on their roof with them, or watch from the ground since outright fraud and roofers causing damage to get over that threshold isn't all that uncommon. There is nothing wrong with the text that the roofer sent in my opinion tho and the insurance industry is crooked as hell, often intentionally shorting the payouts and requiring contractors to fight to get paid what they should have. Example, state farm wants roofers to reuse pipe jacks and drip edge even tho a pipe jack last 10 years and a roof can last 30 and drip edge has nail penetrations from the removal of the old roof and should be replaced in most cases. It's not right to not pay for something that is routinely replaced on a roof and won't pass inspection if the roofer tries to cut corners since they aren't reimbursed or it takes months to get the difference from insurance. If roofers didn't advocate for homeowners, the insurance is off the hook and only allow a year or two from date of loss to file a claim. Funny how insurance is trying to play the victim for homeowners filing a claim. It's not fraud to ask for the insurance benefit you pay so much for. I recently asked a State farm agent why they weren't paying for pipe jacks and drip edge in his response was because of a lot of roofers were collecting the money and not replacing them. My response was so because of a few dishonest roofers you're punishing the homeowners by underpaying the claim? He didn't have a reply.
P.s. I now record my entire inspection so I am not accused of anything fishy. I once was accused of fraud on a roof I had never been on since I was contacted the day prior to the insurance inspection which I attended. Also, about 70% of claims are shorted one way or the other by insurance and requires software that cost a couple thousand dollars a year to prove it to the insurance and justify what should have been paid. Never trust your insurance company to do the right thing.
Roofer educating? Lol. An honest roofer would tell the homeowner their old worn out roof was damaged because it wasn't maintained -- it is a wear and tear item. Honest roofers don't go door to door, cold call or text people.
@@brocklanders6969 because there are no storms in Florida...ok.. thanks for your input.
@@ang844 Of course there are storms in Florida. The point, just because a storm damages a 15 to 20 year old roof, doesn't mean they are untitled to a new one.
More like multiple storms over 15-20 years, which they've NEVER filed a claim for.. The average homeowner doesn't know the damage that any one of those storms caused, unless it were an obvious one. There are those damages that go unnoticed, and then turn into bigger problems in a year or two, storm after storm, making it worse. Does the insurance company call you after a storm hits and asks how your roof is? That would be some service... You pay insurance each month for years. People, stop being brainwashed. It's simple.. know your coverage, and find a reputable contractor to help you. Sure there are scumbags out there, but get referrals and find someone that will guide you through the claim process, so that you know what's going on AND is your best shot at getting approved. Insurance companies won't help you get approved. Ask them? See how far that gets you. They glady accept your monthly payments, but they'll find anyway to deny you, if you leave yourself open to that. Especially, those homeowners who don't really know how to read their policies and know what they are entitled to.
Snakes
Welcome to Scam fLORIDA
Well, I have to agree with you on that statement. Keep in mind, the Snow Birds aka SCUMBAG we Natives call New Yorker's, have given our State a bad reputation 4 scamming & it's these New Yorker's who have been moving down here 4 decades 2 ESCAPE their criminal past, & only to start up their same scamming down here!! The irony now is, these New York scammers are scamming their own fellow New Yorker's because there are no more true Native Floridian's left in my Home State. 🤣🤣🤣🤣🤣🤣😜😜😜🤦🤦🤦
Ah ruthless capitalism, always trying to help people!!!