Glad this is getting talked about. Lets be honest there are thousands upon thousands upon thousands of homeowners who took advantage knowing they had no damage because they wanted to sell their home with a new roof. It's a lot of scams for years that's Florida
1,000% can attest to this as my grandmother did this with a contractor. They got the insurance to pay for a new roof that was not related to any damage or natural disaster... not saying it is right.. but you sir are!
I think eventually all roofs will be required to have video monitoring. 24 7 survey. To not allow any fake damage to be created. That would prevent roofers from damming roofs to create claims Like police body cams And perhaps establish WHEN damage occurred. Which storm. Etc Honestly. Florida is the worst state for this. Illinois. Second And it will eventually make all home insurance carriers not offer anything. It’s just too expensive It’s the roofers. AND. Some homeowners who go along with this Though some homeowners do r know what is going on. Which the roofer counts on. The bad ones anyway
This doesn’t make sense if you don’t need a new roof you have no damage then a roofing company shouldn’t replace it and you as a homeowner should not agree to it PERIOD
I remember after a severe storms damaged the area I lived in, there were companies offering to replace the whole roof when there was very minimal damage. There are storm chasing roofers just like lawyers that chase ambulances.
That's why I moved out of Florida. All the old people don't think they have enough money so they're going around screwing gen x, millennials, and gen z's dreams of owning homes. My property insurance is only $800/year in Illinois.
@@info781 On the flip side they wouldn't be winning their lawsuits if they were fraudulent claims. The damage pretty well speaks for itself and if there is none or not enough to warrant a new roof, the lawyers representing roofing contractors and homeowners wouldn't be winning consistently. Not a single lawsuit has been deemed fraudulent out of over 80,000. I find it hilarious that people trust their insurer to do the right thing, especially when most of these bankrupt insurance companies were insolvent from the get-go and many had been in business nfor less than a few years. State farm made 1.3 billion in pure profit last year btw and doesn't deny rightful claims.
@@allaboutroofing2 That is absolutely false, it just gets to a point where it is not worth it to fight everything. Lawyers just want to make money. That is why the companies are leaving. You have a professional certified appraiser make the call and that is it, no going to court.
As a non-homeowner that will be buying a Florida home in the next year I have been observing this issue, and it is clear to me what the real causes for this issue were and the massive disinformation campaign being waged to make us look elsewhere. - The first cause is the extreme weakness of consumer protection laws in Florida, which makes it possible for companies to fleece consumers and the system with impunity. - Next came insurance companies that took advantage of this to avoid keeping reserves to pay claims when the inevitable disasters happen, to add all kinds of exclusion and sneaky clauses in their policiees, and worse, their using all kinds of gimmicks to delay and underpay those claims. Of course this led to the need for lawsuits for a high percentage of claims. - Of course, roofing companies saw this as an opportunity, as homeowners - frustrated with the insurance companies and not wanting to handle the lawsuits themselves - were more than happy to let roofers handle it. With the results we now see. This all could have been avooided if proper laws protected consumers and forced insurance companies to behave properly. But our legislators are clearly sold out to those that finance their campaigns and thus are more interested in protecting the profits of insurance companies than protecting consumers... so, we cannot expect any real solutions and should only expect ridiculous increases in insurance premiums... that will stick around even after the crisis ends. What we really need is for the Federal government to create a couple of semi-government insurance companies (similar in concept to Freddie Mac and Fannie Mae) - for homes occupied by their owners, not rentals nor AirBnbs - that will compete nationally with these insurance companies that abuse homeowners.
This just happened to me here in Michigan. I was out walking the dog and noticed a bunch of signs for the same company that fixed "hail & wind damage". Next thing I know a guy working for the company came by and asked if I wanted them to look at my roof. I said my roof is only 3 years old and is in perfect condition. He looked up and said, yeah it is pretty new. Gave me his card in case I wanted to reach out in the future. This needs to stop because all of our insurance rates are gonna go through the roof!
So.......insurance companies don't send out their own adjusters to determine damage before a repair can be approved? I'm in TN with State Farm and we couldn't get anything repaired until their adjuster approved it.
They do, and decline due to wear and tear. Then the roofer buddies up with an attorney, they file a lawsuit, one sided legal fees and you've got the recipe for how to destroy an insurance industry. What's even more messed up, is these roofers are asking people to pick one of three dates to choose from that hail occurred like 3 years ago. It's not even usually recent events.
I am a Florida license property adjuster that Now works for a local restoration company. This is true about the roofing companies. I get many requests from insurance companies to go look at properties where roofing companies have said a whole roof has damage and needs to be replaced. I’ve gone up on the roof with the roofing companies representative and found zero damage. Roofing company said their were missing shingles, missing from a wind event a month prior, I walked up there and there wasn’t one shingle missing. I told the representative who was up there with me, who happened to be a young kid to keep his eyes open and don’t get caught up in any BS.
I have to question why some of these homeowners allow some guy to go up on their roof? To do some kind of inspection. Then to tell the homeowner they need a new roof and insurance will pay... To think the premiums won't go up after a very large claim is just stupid. The only time to file a claim is when Catastrophic Damage HAS occurred, not for preventive maintenance. It's a roofer scam and I think "some" of these homeowners didn't due their part in avoiding it by either getting up there themselves or a 2nd opinion with evidence. Maybe some homeowners were in on it to get a new roof?
Are you aware there's been 80,000 lawsuits and not one of them has been ruled fraudulent? Also the insurance companies are consistently losing in court. Why do you think that is? If you're suggesting that the roofers are causing the damage on the roof that's blatant fraud and is pretty darn easy to tell the difference. That might happen on occasion and why a roofer worth his salt, will audio and video record the entire inspection. Homeowners should also get on the roof if they are capable. It can be done safely. I've had a 88 year old woman go on the roof with me, so I'd she can, most people should be able to. That or watch from the ground and ask that it be recorded.
@@sierrachoco5271 🙄 Because you’ll end up paying twice $$$ what that new roof would cost over the next few years when your insurance premiums double. Insurance companies are in business to make money.
@@allaboutroofing2 There maybe 80,000 lawsuits, fraud? I don’t know if the insurance companies even investigating or just settling to avoid legal costs. What I do know, All it takes is a few bad apples to spoil the lot. I’m not suggesting ALL roofers are scamming but a few have started a pattern that has caused the situation that is happening NOW. Insurance companies are leaving FL. Those that remain will raise the premiums to the roof..
Florida has a unique ecosystem, one of the few US regions with coral reefs. Development has turned it into a sewer. Plus the US taxpayer ends up paying for the hurricane damage. The state should have been kept as mostly a natural reserve. One day a super storm is gonna go through all that development like a buzz saw.
I had the same experience in North Carolina last year. Roofers came to me and told me they would replace my roof for only the $1,000 deductible instead of the full cost of $20,000. I told them I doubted it. They said they will search storm records to justify replacement. I paid for the replacement myself.
@@malteseknickerbocker1866 Roof replacement is part of the expense of owning a home and I knew the roof required replacement when I purchased the home. The 'free' roof would not have soothed my guilty conscience. This is a 'curse' I have .
That’s just too logical! Insurance companies are notorious for creating problems by scalping honest policyholders to pay for the fraud, including the ubiquitous kickback schemes that involve front line adjusters as well as the higher ups. W.C. Fields said, “You can’t cheat an honest man.” I’d exchange the phrase “insurance company” with that and it’s equally true.
In Florida you have to bring your roof up to code before putting metal on the roof, meaning all the decking, shingles, drip edge, etc has to be structurally sound. Metal roofing is placed over shingles… also shingles are fiberglass.
This is a problem that insurance companies had cause themselves. I know that there are scams out there, but most people are forced too hire lawyers because the insurance company fails too pay the required amount to fix what is broken.
I'm shocked more people don't see this. The insurance companies are consistently losing yet no one asks why. I would argue that the insurance companies are the scammers and denying or shorting legitimate claims. If this wasn't the case the roofer and homeowners wouldn't be winning consistently..
Not so I’m an adjuster Most carriers are happy to paywhat’s owed This is caused by contractors. Roofers create fake claims 8 out if 10 roofs I inspect in Florida are probably fraud But We can’t prove it So They push for a new roof
@@nomadicrecovery1586 I see you deleted your comment probably because you know that adjusters are the biggest crooks out there. Screwing over their clients and blaming contractors. I know because I was in the insurance industry before I knew how corrupt they are. It didn't take very long at all.
@@nomadicrecovery1586 Nomadic Recovery • 10 hours ago Not so I’m an adjuster Most carriers are happy to paywhat’s owed This is caused by contractors. Roofers create fake claims 8 out if 10 roofs I inspect in Florida are probably fraud But We can’t prove it So They push for a new roof
In Florida, if you have a 30 year ...or lifetime...written warranty on your roof, you are screwed once it is 15 years old. Better to buy a lower priced roof because the insurance company will make you replace it before it wears out.
The roof scammers are out here in New Orleans too. We replaced our roof in 2019 (we paid not the insurance) in 2020 we got hit with a hurricane (New Orleans) nothing happened to the roof but we have non stop roofers knocking on our door to just “give a free estimate. Repeat the next year 2021 when we got hit with a bigger hurricane, our roof wasn’t missing not one shingle and I legitimately had a company come to my door and demand I let them on the roof to “give me a estimate” I told them to get lost. Bunch of scammers, our car insurance rates are the second highest in the Country due to law suits. I don’t even want to think about what would happen if this trend took hold with homeowners insurance. We pay right at $5,000 a year (350k house) and that’s not including flood.
I went through hurricane Irma. The hurricane blew for the whole night, ripped three large trees in my property. Whoever tells me the roof of my house did not sustain any damage from the storm has never been through a hurricane.
So do the roofing companies ever get charged with fraud or do they get away with this? In 23 years of living here, I never felt like moving out of state until now. We are now have the second highest car insurance in the country too. Since 2020 Florida has become expensive like NY and NJ.
car insurance is this high because of the wind shield scams and the auto injury claims! I have only read a little about this but according to those news stories/articles, there is just not as much regulation for this crap, and here's the outcome. I'm so sick of BOTH sides focusing on minor issues like "Don't say Gay Bill" and other stuff. I understand why it's a sensitive and important issue but I feel like it's all to distract the public from shit hitting the fan.
Out of the near 80,000 lawsuits not a single one has been deemed fraudulent. In fact the insurance companies are consistently losing. Have you considered that the insurance is scamming people? If you think the insurance company is on your side, you're sadly mistaken. I was a farmers agent years ago and at a huge seminar for all agents in the state, an executive, in front of a few thousand agents, bragged about how much money they saved on not paying out rightful monities to homeowners and instead paying the fines (since it was cheaper) to the state, saving millions and bragging about the bonus the person in the company was given for coming up with that idea. They had a mass exodus of agents that day. Myself included. They also have tracked for many years when someone calls in to ask questions about their policy or coverages. They called it an event and counted against the insured almost the same as an actual claim.
Looks like they never are held accountable. In the state of Indiana. Hamilton County the popular builder that is well known for using poor quality shingles. We were in home less than 7 years and many roofs in the neighborhood were all over peoples driveways.
Roofing companies very, very rarely ever get charged. Law enforcement sincerely tries, but given manpower staffing issues... Prosecutors rarely try much, and should be publicly named and called out on all of this. And then Judges rarely do much, trivial sentence and trivial fine. What does this all mean? Not much of a deterrent.
When I was growing up in the 1950s and 1960s personal injury lawyers were laughed at by other lawyers and non-lawyers and called "ambulance chasers". But then, lawyers realized that they could use the tort system to become outrageously wealthy while pretending to hold the moral high ground. Some of the larger law firms have garnered BILLIONS in awards. Until every consumer realizes that VIRTUALLY every service and product we purchase is more expensive because of the abuse of the tort system by avaricious lawyers, this will continue. There must be tort reform across the board; no one objects to a reasonable reimbursement for services, but how many hard working people do YOU know who bill hundreds to thousands of dollars PER HOUR? The civil legal system has become outrageously immoral and it's up to you, me and ethical legislators to address and do so soon.
The scam takes at least two players; a crooked roofing company and a crooked homeowner. In many cases the homeowner knows that he is not entitled to a free roof but, goes along with the scam. There were many, many dishonest homeowners involved in this caper and now all of us are paying the price. I replaced my roof a year ago and ran off every contractor that pitched me a free insurance paid for roof. I can look up and down my block and point the roofs that were replaced as part of this scam. I knew this would blow up as an insurance issue when in truth it was an integrity issue. Now, I will likely have to pay an elevated insurance premium because a neighbor wanted someone else to pay for their new roof.
Did anybody track down who was sending those emails? Do they really need "new" legislation? It will help who? Did anybody explained why the substantial increase on the premiums? Definitely, outrageous.
Insurance companies wouldn’t have to settle if they didn’t deny every roof! It is insane! Insurance companies collect premiums and refuse to pay out for actual true losses! It’s sad!!
Almost none of them are fraudulent- not a single one has been ruled fraudulent by a judge... In fact the insurance companies are consistently losing their lawsuits. This wouldn't happen if the damage was made up or non-existent. Insurance companies spend billions of dollars to lobby and the news channels interest is with big insurance since they are a major source of advertising. Have you noticed not a single news channel has bothered getting on the roof to see if there is damage that would warrant a replacement or not? Hmm
@@screenarts Too true, insurance companies get rich on denying claims. Even worse, creating these so called rules won't lower rates or make things go back to where they were. Its just going to be more expensive.
It would be great if someone compiled a list of honest roofers .. four years ago, the Roofing company charged my insurance almost double what they quoted... I confronted them and nothing but blank stares..
My insurance for the past year was $1026 on a house worth $650,000 to $700,000. I keep a high deductible to keep the price down as I would fix my own roof if it is damaged, which is metal. I live 200 yrds for the gulf in Mexico Beach and went through Michael with no damages. I only plan on using insurance for a total loss or catastrophic damage. Shingle roofs just don't last. The insurance companies should start prorate the amount they will pay after a shingle roof is so old. I don't care if you buy a "30yr shingle" that roof is toast in 15-20 yrs especially in Florida, and people claiming storm damage and not having to pay anything or a small deductible to get a 15-20 yr old roof replaced for free is why they are in this mess.
2:57 Example of an "I don't know" scammer and a BROKEN SYSTEM! That guy knew exactly what he was doing and took advantage. Enough! We were forced to replace our roof because our old insurance company went out of business. The cost of insurance if I kept our old roof would have made it impractical not to replace the roof.
you are blaming the victim. That homeowner was shocked at how the proposed $400 to repair went to a full replacement. The roofing companies and the attorneys are the criminal.
@@prettyyoungthingpyt5015 .. He's absolutely NOT a victim, but my insurance company going out of business and me having to put a new roof on *I'm the victim!* Shocked my arse, he knew exactly what he was doing and exactly what he was getting. Not one mention of the word "no I don't need that."
It should be a Co-op where at the wnd of the year you get money back if you don't make a claim. What did these insurance companies do with all the money paid in when there weren't many claims? Ah yeah send executives on Beautiful vacations, Beautiful buildings and chandeliers ect.. I think their spending practices and claims paid out needs to be investigated! Quarterly!
I’ve always said this. I’ve been laying car insurance since I was 16 and have never made a claim. I’d love to see that money back especially when I switched companies and never made a claim.
@@wanaraz It's the only game in town, and we're required by law to play this rigged game in order to drive a car. I stopped owning a car a year ago, since it's just too expensive, and I need to invest for my children's future and our retirement instead right now. But, I must say, life is sweeter with a car. It's a little depressing without one, even in a city.
If a roofing company knocks on your door and wants to give you a free inspection turn them away. They be possibly trying to get you to help them commit insurance fraud.
The Florida Legislature needs to take its hands out of the lawyers' pockets and close the loopholes. It also needs to look at new accountability and reporting standards for insurers. Otherwise, vote them out.
@@floridaviolets9601 Exactly. So... Vote him out. 👌 Desantis has managed to turn Florida from a somewhat affordable state to the most expensive state in just a few years.
It feels like the politicians and policy makers have some incentive to overlook this need. There is a reason no laws have even been proposed that would protect homeowners and constituents, and with no real down-side.
True story, a lawyer for $50,000 for his client & $600,000 for himself!! On appeal the price was brought down. Insurance is not a maintenance plan, get your old roof replaced!
Insurance companies are thinking that we are in for another bad hurricane season, been a while sense a major one hit 3 to 4 years so we are pass do, so they are pulling out to save money
Love how they are allowed to make predictions that rarely ever happen. This is just how predatory capitalism works and the state government allows it. If people think this will be solved by a three day special session then they are a fool.
Actually DeSantis is making sure your child isn't told anything about sex or gender from a teaching perspective. This law includes protecting Gay or Trans parents from a teacher telling their kids that they are wrong in any way. If you are saying teachers should be able to project their hatred about others on your kids, as a parent, feel free to let the teacher know since parental notification and permission is all it takes under the law for any hate to be acceptably discussed with YOUR child (but remember, you asked for it).
I actually talk to my kids at home, so they’re raised with my values. No matter what anybody tells them in school. If you can’t do that too, you’re not a good parent. Now, can Desantis quit worrying about boys in skirts & fix this insurance mess please? He was put into office to solve problems like this, not raise my kids. I have that handled. smh
Here in Texas, I've heard roofers encourage homeowners to file a hail claim when there was very obviously, absolutely, not a single sign of hail damage to the roof covering or roof metals. There were no signs of any type of what is referred to as collateral damage (gutters, window screens, siding, fence, etc.). They call it "rolling the dice". The unprofessional "contractors" make the rest of us look like crooks. Why are they not investigated and held accountable? Send some undercover folks to work for some of these companies, with their under-trained sales reps. Watch how they "train". Listen to the advice given to the homeowners vs what you have actually seen on the roof.
Over 13 years in the roofing business and have yet to install a roof via AOB and running through the claim process. I remember when the likes of these types of operations settled in Florida in the early 2010's... You can look up permit records for roofs they installed for let's say 14k with the market value at 9k while the homeowner only paid the deductible... The attorney's found a loophole and teamed up with contractors to get a premium price for the roof and top billable hour pay. I imagine some of the storm chasing only type roofing contractors are actually owned by attorneys! How long does a lender need to wait by law to call back a mortgage if a home owner can't find or pay for new insurance...? Tough times! The wild thing is there are people with 25 year old shingled roofs that still have insurance and others with 12 year old shingled roofs that have to replace their roofs to renew!
A reputable roofer wouldn’t put dog shit shingles back on a roof to begin with. Thats the problem. I own a large solar company. Unless a homeowner has a 3 year old or newer shingle roof we require them to swap to either either a tile or metal roof prior to us installing. Ideally they go for what I chose for my own home, stone coated steel. Before I moved to FL my texas home saw softball sized hail twice with no damage plus it adds to the R value
@@mattbrew11 I live in TN shingles are still popular here, you never see tile. I have metal on my garage but with the roof pitches here you cant clean you gutters yourself and no one wants to climb a metal roof.
In the old days the insurance companies sent brokers to assess the damage and inspect the repair o make sure the homeowner is satisfied with the work. So I blame the insurance companies for letting themselves get ripped off. With the amount we pay on premiums, if you get something for free and they let you who's fault is it really. Remember the insurance companies have to approve the claim and the quote from the roofer not the owner.
Blame the Florida politicians. The insurance laws in Florida allow for this to occur. Here's a decent explanation: ICA Carter explains how the scams work: First, roofers canvas neighborhoods and offer inspections to unsuspecting homeowners. These contractors inevitably “find damage” on the roof and often promise a “free roof” to the homeowner, claiming they can have the home insurance deductible waived. Homeowners are pressured to sign an assignment of benefits form, giving contractors the right to file an insurance claim on their behalf. A claims adjuster from the insurance company inspects the alleged damage. The adjuster either finds no damage or far more minimal damage than the contractor found, and the claim payout is less than what the contractor demanded. The contractor brings legal action against the insurance company, demanding a claim payout for the contractor’s original quote. Remember, the homeowner signed the benefits of the policy to the contractor, so the contractor doesn’t need the homeowner’s permission to do this. The insurance company now has a choice: it can pay the legal costs to fight the lawsuit or pay the costs to settle out of court. Either way, the insurance company loses money due to the legal action.
This has been happening in CA for several years. Much of CA is now considered high fire risk. Mine went from $2300 a year to $6300 a year. The state’s program would have been over 7k. Something needs to be done to help all Americans.
Bet all those roofers that went to houses caused more issues also! I’ve worked with a few in my days a job that I wish I never did but do on my own cause of the crooks in that field. They’d get a call for an estimate, we would go look at it he’d rip off a few singles, cut the roof pull the paper whatever the case. I reported it after I was left on a job by myself on a day they never showed and also took their equipment because they never paid me either. I guarantee most of them do this is why the owners and insurance agents need to be on the scene when it does happen. Insurance is crooks to begin with so they make a profit and you go through every angle to get you’re justified help from them. Is why they don’t want nothing to do with it. Then give everyone their premiums back and close up! It’s not right nor fair.
Between the roofers and the gullible homeowners looking for freebies these are the main reasons why premiums have skyrocketed. Let’s not forget people that Florida is a sitting duck for hurricanes, tornadoes and high winds which Amplifies the problem a few decent size storms can deplete an insurance companies reserves which in turn bankrupts the company. Honestly what insurance company today can say that doing business in the state of Florida has been profitable? Not many. This is why premiums have to continuously go up. High risk high premiums. Insurers in AZ, NV, NM, CO do not face these problems. They actually have a positive cash flow and plenty of reserves at the end of the calendar year.
@@robertg1101 and is why Florida and those high damage states need better solutions for those problems meaning, they know better to not put on a shingle roof in a state where high winds or bad storms are prone. I mean to replace one after every storm does takes its toll on the whole system in general. There are other solutions to this problem than what they state. I know about the pros and cons of course and people, yet, those people and insurance agencies and roofers need pictures of before and after everything even when a contractor comes to your home even for an estimate. It’s scam all across the board. That’s what people need to start paying attention too also.
We are retired military couple and retires to enjoy our simple life here in Florida . Now, we are affected by higher insurance without filing any claims for many decades! We might have to move soon but our only daughter with her family lives here too. Our oldest son will be retiring in the military soon with his family, thinking here instead HI where we all are from. Guess back to HI is better as families are there still…..they will help us but hubby can’t live in the islands due to PTSD 😢
You pay insurance to cover your home and your roof.....insurance companies want to insure you when you do not have anything to claim....as soon as you need to replace your roof the insurance companies do not want to pay the repairs or replacements....you do not replace roofs yearly you do it 1 or 2 times per 30 years .... the other years are just profits for insurance companies ....They Try To Pull A Fast One on the Homeowners ALL THE TIME !!!
The thing is they really do not have the money to pay for it that are basically selling you a promise to fix your roof if somethings happens and they hope nothing ever happens and they can just keep the money. Think like this your roof cost 10K to fix and your yearly bill is 1K, then in the 3rd year you need a new roof. You are the only client of this company and after all their bills and taxes they can only give you 1K towards a new roof and you need to pay the other 9K. The company never had 10K to start with, the solution to this problem is that for each policy the company must have that amount of cash in reserve separate from everything else.
Sounds like the fix is pretty simple - insurance companies should stop covering roof replacements or any roof leaking issues, period. Let the home owners deal with those repairs and the insurance costs will go down by A LOT
HONEST ROOFERS NEVER KNOCK ON DOORS. Homeowners are to blame , homeowners sign with shady roofers and this is what happens. There are a lot of great established roofers
as a carpenter wood in addic does get damaged and water spreads throughout the wood under the black paper when it leaks in all directions...wood not like it was when we were children it's compressed ...as a carpenter..they use 6bys instead of 8 bys to build houses ...more to the story when it comes to fixing a roof which can easily bring in carpentry and building mantance for a proper fix...
Why can’t the insurance companies hire roofers on their payroll instead of independent contractors. That would help carve out the attorney fee issues. Am I missing something here?
If the insurance companies didn't deny claims for legitimate claims, they wouldn't face the 2-3X payout penality. Also if roofers are to blame, why hasn't a single lawsuit been ruled as fraudulent and why are the insurance companies losing consistently? I've been in the insurance business and now a roofer and I can assure you the insurance's only interest is their own. Many are down right crooked. Notice how the news has never bothered to look at a roof that is in dispute and see for themselves if there is damage that warrants replacement? It's not that hard to see the damage and see that the insurance is scamming their insureds, not the other way around. The media is influenced by big insurance since they are threatening to pull their advertising. Don't be fooled.
@@altriish6683 about half storm damage under insurance and half cash, age related or real estate transactions..how did you ever guess? My suberb knowledge, my screen name or are you clairvoyant?
I file claims and lots of roofing companies will run out and make damage to the roof, take pictures, before the homeowners can contact their insurance companies and adjusters. Some roofers have started replacing the roof before the claim has been filed or approved. This way they can put down that the damage was 3x worst then it was. That’s why the insurance companies are going out of business and premiums are going up.
We are getting a new roof on the 31st we had too, insurance company is going to cancel if we do not, going to cost $92.00 a month, we are now paying $270.00 for home owners insurance. The agent said she can get us a new police for 40% less so hope she can still will not be saving much, we got land in NW Florida If it was just me I would sell and just buy me a RV to live in
I have a metal roof in South Alabama, after the 2004 hurricane my insurance with USAA went from $500 each year to $3000. USAA later ran out of south Alabama like a scared school girl. Totally left the market. Now I use State Farm.
What shocks me so much is the cost of an average roof for materials is so very low. And yet the labor is twenty times that?When I had my roof replace, there were many Meixicans woking it. and they did a super great job. They did it in one day. Could there be something else at play here??? Like a workers program to keep them employed????
The simple answer is risk. Florida is high risk for hurricanes and hail. It's not much different from Colorado which is the hail capital of the country. My homeowner's policy is $4600 a year here with a $2500 deductible. It's not at all factored on what people's income is, it's all about the calculated risk to the insurance company.
Washington State homeowner insurance does not cover wear and tear roof damage and there is a sizeable deductible regardless. Are all of these Florida roofs being called hurricane damaged? If so I'm surprised the companies didn't band together and decide to drastically limit their liability. Unless the state in their wisdom requires coverage of course.
In Florida majority of them they claim are from storm damage to justify putting in the claim. I recently left Miami had a neighbor with a tarp on his roof for over 6 months going through insurance. The storm that past thru didn't even touch our area smh.
that is up to codes people in my town in middle tn apx 35 to 50 miles south of nashville 2018 irc they are asking for 120 mph standards on whole house including the roof. now how many hurracanies does Tn get
@@dknowles60 rarely any that I know of , but that is still good.....weather patterns is hitting places it never touched before....so that is not a bad thing...the former county I lived in ...state of Indiana....they have the bare minimum for codes with reference to infrastructure...matter fact the class I attended about the city and how things are ran there; the chief firefighter said that the" building materials are such of SUBSTANDARD QUALITY...that he would NOT risk the other firefighters lives to save your home from burning to the ground"...they gonna let it burn because that is jUST HOW fast the materials catch fire and burn quickly.
If Insurance companies think they are being scammed after receiving a claim ....They can send an insurance inspector right?....So Why Are They Not Sending One Inspector?.....Or Insurance Company is Trying Not To Repair / Replace the roof as needed ? Policy that the Insurance Company Wrote / Said Insurance will cover if insured put a claim !!!
3:50 here's an idea, go on Rebecca williams's roof and see if she has damage or not? The guidelines are spelled out in the policy how much damage warrants replacement. 🤷 Seems so cut and dry. They call the roofer a scam, but who knows, her roof may be blasted. She's been on several news outlets and no one thought to check for themselves?
Where's the suggested annual roof maintenance procedues for shingled roofs for Florida homeowners??? If these roofs are well maintained why do insurance companies drop them?
This also hurt homeowners as now insurance companies can put a second deductible on your policy that is equal to your hurricane deductible so if you have a $6,000 dollar hurricane deductible you will now also have a $6,000 dollar roof deductible. This legislation is a huge win for insurance companies and a huge lose for property owners.
Just spent 41k out of pocket to replace my tile roof here in FL . Right now I'm looking at paying the rest of mortgage off and saying screw the insurance . Will carry liability other than that I am at the point of screw the insurance .
Of course Floridians should pay more than other areas. For far too long, the public has been fleeced by Floridian homeowners living in a hurricane area. When you live next to the ocean and in an area of terrible storms, pay up. Don’t expect others to subsidize you. Move to a safer area.
Mr Mark Walter is an expert trader on a certified broker, I've worked with him for years, everyone he processes he or her trade, is so lucky, all you have to do is believe in him and fellow his guidance. Then sip your drink and relax.
Speaking as an actuary who has worked for multiple P&C insurers who have pulled out of Florida - Homeowner need to read “The 3 Little Pigs”… build your home to last. Florida is a state full of old, poorly built houses. Not to mention there is a lot of fraud in the state and too much regulation on insurance companies. This is a tough lesson to learn for everyone.
My thoughts EXACTLY! All of a sudden we need a SPECIAL SESSION???!!! When you had all of the regular session to do this. But he's fighting Mickey Mouse...SMH!
I have lived down here for fifty years, the only changing is property insurance will continue to rise, deductibles will increase and insurance company’s will file bankruptcy when a cat 3-5 storms hits population center: Miami, Lauderdale, Daytona, Naples, Tampa Bay, Jacksonville. Peace
Glad this is getting talked about. Lets be honest there are thousands upon thousands upon thousands of homeowners who took advantage knowing they had no damage because they wanted to sell their home with a new roof. It's a lot of scams for years that's Florida
1,000% can attest to this as my grandmother did this with a contractor. They got the insurance to pay for a new roof that was not related to any damage or natural disaster... not saying it is right.. but you sir are!
@@davidcantor293
4
I think eventually all roofs will be required to have video monitoring. 24 7 survey. To not allow any fake damage to be created.
That would prevent roofers from damming roofs to create claims
Like police body cams
And perhaps establish WHEN damage occurred. Which storm. Etc
Honestly. Florida is the worst state for this. Illinois. Second
And it will eventually make all home insurance carriers not offer anything. It’s just too expensive
It’s the roofers. AND. Some homeowners who go along with this
Though some homeowners do r know what is going on. Which the roofer counts on.
The bad ones anyway
Homeowners are to blame
This doesn’t make sense if you don’t need a new roof you have no damage then a roofing company shouldn’t replace it and you as a homeowner should not agree to it PERIOD
I remember after a severe storms damaged the area I lived in, there were companies offering to replace
the whole roof when there was very minimal damage.
There are storm chasing roofers just like lawyers that chase ambulances.
So sounds like Florida is one storm away from total collapse.
Pretty much
And it just happened last week......IAN
I come from the future. It happened.
How about they remove the lawyers billable multiplyer, oh wait because it was written by lawyers
Love how the Florida gov is on the insurance side rather than our side…
It’s the “our side” that’s scamming the insurance companies and causing the problem.
That's why I moved out of Florida. All the old people don't think they have enough money so they're going around screwing gen x, millennials, and gen z's dreams of owning homes. My property insurance is only $800/year in Illinois.
Lawyers are not on our side, they want to get paid.check that fee multiplier
@@info781 On the flip side they wouldn't be winning their lawsuits if they were fraudulent claims. The damage pretty well speaks for itself and if there is none or not enough to warrant a new roof, the lawyers representing roofing contractors and homeowners wouldn't be winning consistently. Not a single lawsuit has been deemed fraudulent out of over 80,000. I find it hilarious that people trust their insurer to do the right thing, especially when most of these bankrupt insurance companies were insolvent from the get-go and many had been in business nfor less than a few years. State farm made 1.3 billion in pure profit last year btw and doesn't deny rightful claims.
@@allaboutroofing2 That is absolutely false, it just gets to a point where it is not worth it to fight everything. Lawyers just want to make money. That is why the companies are leaving. You have a professional certified appraiser make the call and that is it, no going to court.
As a non-homeowner that will be buying a Florida home in the next year I have been observing this issue, and it is clear to me what the real causes for this issue were and the massive disinformation campaign being waged to make us look elsewhere.
- The first cause is the extreme weakness of consumer protection laws in Florida, which makes it possible for companies to fleece consumers and the system with impunity.
- Next came insurance companies that took advantage of this to avoid keeping reserves to pay claims when the inevitable disasters happen, to add all kinds of exclusion and sneaky clauses in their policiees, and worse, their using all kinds of gimmicks to delay and underpay those claims. Of course this led to the need for lawsuits for a high percentage of claims.
- Of course, roofing companies saw this as an opportunity, as homeowners - frustrated with the insurance companies and not wanting to handle the lawsuits themselves - were more than happy to let roofers handle it. With the results we now see.
This all could have been avooided if proper laws protected consumers and forced insurance companies to behave properly.
But our legislators are clearly sold out to those that finance their campaigns and thus are more interested in protecting the profits of insurance companies than protecting consumers... so, we cannot expect any real solutions and should only expect ridiculous increases in insurance premiums... that will stick around even after the crisis ends.
What we really need is for the Federal government to create a couple of semi-government insurance companies (similar in concept to Freddie Mac and Fannie Mae) - for homes occupied by their owners, not rentals nor AirBnbs - that will compete nationally with these insurance companies that abuse homeowners.
This just happened to me here in Michigan. I was out walking the dog and noticed a bunch of signs for the same company that fixed "hail & wind damage". Next thing I know a guy working for the company came by and asked if I wanted them to look at my roof. I said my roof is only 3 years old and is in perfect condition. He looked up and said, yeah it is pretty new. Gave me his card in case I wanted to reach out in the future. This needs to stop because all of our insurance rates are gonna go through the roof!
I have been an agent for 30 years. The changes will not save the market. Expect more insolvent companies and higher rates.
The higher prices have hit so many already last year. It will be crazy if this year's hurricane season gets aggressive.
So.......insurance companies don't send out their own adjusters to determine damage before a repair can be approved? I'm in TN with State Farm and we couldn't get anything repaired until their adjuster approved it.
They do, and decline due to wear and tear. Then the roofer buddies up with an attorney, they file a lawsuit, one sided legal fees and you've got the recipe for how to destroy an insurance industry. What's even more messed up, is these roofers are asking people to pick one of three dates to choose from that hail occurred like 3 years ago. It's not even usually recent events.
@@solairtt yep
I am a Florida license property adjuster that Now works for a local restoration company. This is true about the roofing companies. I get many requests from insurance companies to go look at properties where roofing companies have said a whole roof has damage and needs to be replaced. I’ve gone up on the roof with the roofing companies representative and found zero damage. Roofing company said their were missing shingles, missing from a wind event a month prior, I walked up there and there wasn’t one shingle missing. I told the representative who was up there with me, who happened to be a young kid to keep his eyes open and don’t get caught up in any BS.
Same happening with car insurance they are charging car note prices when you have no wrecks good standing etc
I have to question why some of these homeowners allow some guy to go up on their roof? To do some kind of inspection. Then to tell the homeowner they need a new roof and insurance will pay... To think the premiums won't go up after a very large claim is just stupid. The only time to file a claim is when Catastrophic Damage HAS occurred, not for preventive maintenance. It's a roofer scam and I think "some" of these homeowners didn't due their part in avoiding it by either getting up there themselves or a 2nd opinion with evidence. Maybe some homeowners were in on it to get a new roof?
Are you aware there's been 80,000 lawsuits and not one of them has been ruled fraudulent? Also the insurance companies are consistently losing in court. Why do you think that is? If you're suggesting that the roofers are causing the damage on the roof that's blatant fraud and is pretty darn easy to tell the difference. That might happen on occasion and why a roofer worth his salt, will audio and video record the entire inspection. Homeowners should also get on the roof if they are capable. It can be done safely. I've had a 88 year old woman go on the roof with me, so I'd she can, most people should be able to. That or watch from the ground and ask that it be recorded.
Yup! I can get a new roof, why not!!
@@sierrachoco5271 🙄 Because you’ll end up paying twice $$$ what that new roof would cost over the next few years when your insurance premiums double. Insurance companies are in business to make money.
@@allaboutroofing2 There maybe 80,000 lawsuits, fraud? I don’t know if the insurance companies even investigating or just settling to avoid legal costs. What I do know, All it takes is a few bad apples to spoil the lot. I’m not suggesting ALL roofers are scamming but a few have started a pattern that has caused the situation that is happening NOW. Insurance companies are leaving FL. Those that remain will raise the premiums to the roof..
There had to be some willful ignorance.
Florida has a unique ecosystem, one of the few US regions with coral reefs. Development has turned it into a sewer. Plus the US taxpayer ends up paying for the hurricane damage. The state should have been kept as mostly a natural reserve. One day a super storm is gonna go through all that development like a buzz saw.
Florida also has lots of sink holes. So be careful.
It’s pretty much a giant sandbar
Agree....too many developers paying off local government. Pat Neal, Manatee County #1. He owns corrupt county go.
not Non-Renewing roofs under 15yrs old is a very BIG DEAL.
Basically forcing people to get metal roofing.
I had the same experience in North Carolina last year. Roofers came to me and told me they would replace my roof for only the $1,000 deductible instead of the full cost of $20,000. I told them I doubted it. They said they will search storm records to justify replacement. I paid for the replacement myself.
Sounds like you took an L and could’ve gotten a free roof
@@malteseknickerbocker1866 Roof replacement is part of the expense of owning a home and I knew the roof required replacement when I purchased the home. The 'free' roof would not have soothed my guilty conscience. This is a 'curse' I have .
@@frankd8957 Rather than 'cursed', I would say that you are blessed to have a clear conscience.
Florida car insurance is next due to windshield claims. Coming from a Florida insurance agency owner.
Imagine if homes were built with metal roofs instead of some asphalt sheets of paper with gravel sprinkled on
That’s just too logical! Insurance companies are notorious for creating problems by scalping honest policyholders to pay for the fraud, including the ubiquitous kickback schemes that involve front line adjusters as well as the higher ups. W.C. Fields said, “You can’t cheat an honest man.” I’d exchange the phrase “insurance company” with that and it’s equally true.
In Florida you have to bring your roof up to code before putting metal on the roof, meaning all the decking, shingles, drip edge, etc has to be structurally sound. Metal roofing is placed over shingles… also shingles are fiberglass.
On top of that pretty sure it’s illegal for insurance companies to increase rates for filing claims..
This is a problem that insurance companies had cause themselves. I know that there are scams out there, but most people are forced too hire lawyers because the insurance company fails too pay the required amount to fix what is broken.
I'm shocked more people don't see this. The insurance companies are consistently losing yet no one asks why. I would argue that the insurance companies are the scammers and denying or shorting legitimate claims. If this wasn't the case the roofer and homeowners wouldn't be winning consistently..
Not so
I’m an adjuster
Most carriers are happy to paywhat’s owed
This is caused by contractors.
Roofers create fake claims
8 out if 10 roofs I inspect in Florida are probably fraud
But
We can’t prove it
So
They push for a new roof
@@nomadicrecovery1586 I see you deleted your comment probably because you know that adjusters are the biggest crooks out there. Screwing over their clients and blaming contractors. I know because I was in the insurance industry before I knew how corrupt they are. It didn't take very long at all.
@@nomadicrecovery1586
Nomadic Recovery • 10 hours ago
Not so
I’m an adjuster
Most carriers are happy to paywhat’s owed
This is caused by contractors.
Roofers create fake claims
8 out if 10 roofs I inspect in Florida are probably fraud
But
We can’t prove it
So
They push for a new roof
@@allaboutroofing2 I didn’t delete anything
And that’s absolute bs
Cinder block should be how all Florida home are built, they are in the equator why are they building wood frame homes with shingles roofs? Umm huh!??
In Florida, if you have a 30 year ...or lifetime...written warranty on your roof, you are screwed once it is 15 years old. Better to buy a lower priced roof because the insurance company will make you replace it before it wears out.
10 yrs now in the Pensacola area
The roof scammers are out here in New Orleans too. We replaced our roof in 2019 (we paid not the insurance) in 2020 we got hit with a hurricane (New Orleans) nothing happened to the roof but we have non stop roofers knocking on our door to just “give a free estimate. Repeat the next year 2021 when we got hit with a bigger hurricane, our roof wasn’t missing not one shingle and I legitimately had a company come to my door and demand I let them on the roof to “give me a estimate” I told them to get lost. Bunch of scammers, our car insurance rates are the second highest in the Country due to law suits. I don’t even want to think about what would happen if this trend took hold with homeowners insurance. We pay right at $5,000 a year (350k house) and that’s not including flood.
Louisiana’s actually in worse shape than Florida with this
I went through hurricane Irma. The hurricane blew for the whole night, ripped three large trees in my property. Whoever tells me the roof of my house did not sustain any damage from the storm has never been through a hurricane.
So do the roofing companies ever get charged with fraud or do they get away with this? In 23 years of living here, I never felt like moving out of state until now. We are now have the second highest car insurance in the country too. Since 2020 Florida has become expensive like NY and NJ.
car insurance is this high because of the wind shield scams and the auto injury claims! I have only read a little about this but according to those news stories/articles, there is just not as much regulation for this crap, and here's the outcome. I'm so sick of BOTH sides focusing on minor issues like "Don't say Gay Bill" and other stuff. I understand why it's a sensitive and important issue but I feel like it's all to distract the public from shit hitting the fan.
Out of the near 80,000 lawsuits not a single one has been deemed fraudulent. In fact the insurance companies are consistently losing. Have you considered that the insurance is scamming people? If you think the insurance company is on your side, you're sadly mistaken. I was a farmers agent years ago and at a huge seminar for all agents in the state, an executive, in front of a few thousand agents, bragged about how much money they saved on not paying out rightful monities to homeowners and instead paying the fines (since it was cheaper) to the state, saving millions and bragging about the bonus the person in the company was given for coming up with that idea. They had a mass exodus of agents that day. Myself included. They also have tracked for many years when someone calls in to ask questions about their policy or coverages. They called it an event and counted against the insured almost the same as an actual claim.
Looks like they never are held accountable. In the state of Indiana. Hamilton County the popular builder that is well known for using poor quality shingles. We were in home less than 7 years and many roofs in the neighborhood were all over peoples driveways.
Roofing companies very, very rarely ever get charged.
Law enforcement sincerely tries, but given manpower staffing issues... Prosecutors rarely try much, and should be publicly named and called out on all of this. And then Judges rarely do much, trivial sentence and trivial fine.
What does this all mean? Not much of a deterrent.
@@jenniferwilliams9548 Thats a really good point. The state of Florida definitely seem too preoccupied with cultural issues.
When I was growing up in the 1950s and 1960s personal injury lawyers were laughed at by other lawyers and non-lawyers and called "ambulance chasers". But then, lawyers realized that they could use the tort system to become outrageously wealthy while pretending to hold the moral high ground. Some of the larger law firms have garnered BILLIONS in awards. Until every consumer realizes that VIRTUALLY every service and product we purchase is more expensive because of the abuse of the tort system by avaricious lawyers, this will continue. There must be tort reform across the board; no one objects to a reasonable reimbursement for services, but how many hard working people do YOU know who bill hundreds to thousands of dollars PER HOUR? The civil legal system has become outrageously immoral and it's up to you, me and ethical legislators to address and do so soon.
Around here in Texas, if you are about to make an offer on a house, a first question is: What is the age of the roof?
And people want to move there in droves?
Which is driving up prices on everything more houses more developments
Not me!
Do NOT allow anyone soliciting roofing jobs to walk on your roof! If they hurt themselves in any way or fall off, they can file a lawsuit against you.
The scam takes at least two players; a crooked roofing company and a crooked homeowner. In many cases the homeowner knows that he is not entitled to a free roof but, goes along with the scam. There were many, many dishonest homeowners involved in this caper and now all of us are paying the price. I replaced my roof a year ago and ran off every contractor that pitched me a free insurance paid for roof. I can look up and down my block and point the roofs that were replaced as part of this scam. I knew this would blow up as an insurance issue when in truth it was an integrity issue. Now, I will likely have to pay an elevated insurance premium because a neighbor wanted someone else to pay for their new roof.
Bravo for your integrity! Signed, a longtime ex-insurance agency owner.
Totally agree with you. Couldn’t have said it any better
Don't forget the insurance adjuster/inspector.
@@frankd8957 Of course. The public adjuster inflates the damage even further in order to take their cut
Bingo. What’s most obscene is the outrage from those whom got the free roofs.
If you don't want to sell homeowners insurance in Florida you should not be allowed to sell any insurance in the state.
Then even more insurers will leave the state.
I agree
Did anybody track down who was sending those emails? Do they really need "new" legislation? It will help who? Did anybody explained why the substantial increase on the premiums? Definitely, outrageous.
Insurance companies wouldn’t have to settle if they didn’t deny every roof! It is insane! Insurance companies collect premiums and refuse to pay out for actual true losses! It’s sad!!
This has happened in California with fire insurance. My HO went from $2200 a year to $6500 a year. It’s horrible.
Not all of the claims are bogus. During Hurricane Irma had damage & the insurance company denied my claim
Almost none of them are fraudulent- not a single one has been ruled fraudulent by a judge... In fact the insurance companies are consistently losing their lawsuits. This wouldn't happen if the damage was made up or non-existent. Insurance companies spend billions of dollars to lobby and the news channels interest is with big insurance since they are a major source of advertising. Have you noticed not a single news channel has bothered getting on the roof to see if there is damage that would warrant a replacement or not? Hmm
They are not there for you. There there to profit off you, not pay you.
@@screenarts Too true, insurance companies get rich on denying claims. Even worse, creating these so called rules won't lower rates or make things go back to where they were. Its just going to be more expensive.
It would be great if someone compiled a list of honest roofers .. four years ago, the Roofing company charged my insurance almost double what they quoted... I confronted them and nothing but blank stares..
My insurance for the past year was $1026 on a house worth $650,000 to $700,000. I keep a high deductible to keep the price down as I would fix my own roof if it is damaged, which is metal. I live 200 yrds for the gulf in Mexico Beach and went through Michael with no damages. I only plan on using insurance for a total loss or catastrophic damage. Shingle roofs just don't last. The insurance companies should start prorate the amount they will pay after a shingle roof is so old. I don't care if you buy a "30yr shingle" that roof is toast in 15-20 yrs especially in Florida, and people claiming storm damage and not having to pay anything or a small deductible to get a 15-20 yr old roof replaced for free is why they are in this mess.
2:57 Example of an "I don't know" scammer and a BROKEN SYSTEM! That guy knew exactly what he was doing and took advantage. Enough! We were forced to replace our roof because our old insurance company went out of business. The cost of insurance if I kept our old roof would have made it impractical not to replace the roof.
you are blaming the victim. That homeowner was shocked at how the proposed $400 to repair went to a full replacement. The roofing companies and the attorneys are the criminal.
@@prettyyoungthingpyt5015 .. He's absolutely NOT a victim, but my insurance company going out of business and me having to put a new roof on *I'm the victim!* Shocked my arse, he knew exactly what he was doing and exactly what he was getting. Not one mention of the word "no I don't need that."
@@prettyyoungthingpyt5015 he went along with it, he knew it was wrong. I know a couple of ppl who have done, the roofers encourage you to lie
@@DJaquithFL exactly he knew
It should be a Co-op where at the wnd of the year you get money back if you don't make a claim.
What did these insurance companies do with all the money paid in when there weren't many claims? Ah yeah send executives on Beautiful vacations, Beautiful buildings and chandeliers ect.. I think their spending practices and claims paid out needs to be investigated! Quarterly!
I’ve always said this. I’ve been laying car insurance since I was 16 and have never made a claim. I’d love to see that money back especially when I switched companies and never made a claim.
The majority of car insurance premiums are about law suits and medical bills. The car itself cost the least.
@@KissMyLocs You made a business deal. They said they would cover you as long as you paid the premium. Why should you get money back? That is greedy.
@@wanaraz It's the only game in town, and we're required by law to play this rigged game in order to drive a car. I stopped owning a car a year ago, since it's just too expensive, and I need to invest for my children's future and our retirement instead right now. But, I must say, life is sweeter with a car. It's a little depressing without one, even in a city.
@@MsSimpleMovies It's not a game. You live among other humans. If you hurt them you have to be able to cover their expenses. Why is that rigged?
If a roofing company knocks on your door and wants to give you a free inspection turn them away. They be possibly trying to get you to help them commit insurance fraud.
I don’t trust anyone that approaches me for anything.
The Florida Legislature needs to take its hands out of the lawyers' pockets and close the loopholes. It also needs to look at new accountability and reporting standards for insurers. Otherwise, vote them out.
That won't happen with DeSantis in charge. He's for profit.
@@floridaviolets9601 Exactly. So... Vote him out. 👌 Desantis has managed to turn Florida from a somewhat affordable state to the most expensive state in just a few years.
It feels like the politicians and policy makers have some incentive to overlook this need. There is a reason no laws have even been proposed that would protect homeowners and constituents, and with no real down-side.
Sorry can't regulate anything. Whacko righty says communities organizing for the common good is solicalism.
Florida is the land of lawsuits! Just watch how many lawyer commercials are on tv and billboards!
Florida better pray for no hurricanes this year, inflation has made it impossible to cover major storms
You said it. Now I see it. You were Spot on.
True story, a lawyer for $50,000 for his client & $600,000 for himself!! On appeal the price was brought down. Insurance is not a maintenance plan, get your old roof replaced!
Florida could screw up falling out of a window. Maybe they need an income tax to pay for all this
I will bet a million bucks where you live sucks balls far worse then Florida .
No need for an income tax, they just build another toll road!
I live in the Hillsborough county area and insurance went up $1,000 in last two years.
likewise and never file a claim
Insurance companies are thinking that we are in for another bad hurricane season, been a while sense a major one hit 3 to 4 years so we are pass do, so they are pulling out to save money
Love how they are allowed to make predictions that rarely ever happen. This is just how predatory capitalism works and the state government allows it. If people think this will be solved by a three day special session then they are a fool.
Thank you Mr. Desantis!!
Y'all will be ok. Descamtis is making sure no one says gay at your school.
Actually DeSantis is making sure your child isn't told anything about sex or gender from a teaching perspective. This law includes protecting Gay or Trans parents from a teacher telling their kids that they are wrong in any way. If you are saying teachers should be able to project their hatred about others on your kids, as a parent, feel free to let the teacher know since parental notification and permission is all it takes under the law for any hate to be acceptably discussed with YOUR child (but remember, you asked for it).
You also forgot "Don't Say Homeless"
I actually talk to my kids at home, so they’re raised with my values. No matter what anybody tells them in school. If you can’t do that too, you’re not a good parent. Now, can Desantis quit worrying about boys in skirts & fix this insurance mess please? He was put into office to solve problems like this, not raise my kids. I have that handled. smh
@@23cla69 You mean don’t say bum, vagrant, drug addict or criminal. Teachers should be able to talk to children about mental illness.
Glad he did that stop the Gay agenda
Here in Texas, I've heard roofers encourage homeowners to file a hail claim when there was very obviously, absolutely, not a single sign of hail damage to the roof covering or roof metals. There were no signs of any type of what is referred to as collateral damage (gutters, window screens, siding, fence, etc.). They call it "rolling the dice". The unprofessional "contractors" make the rest of us look like crooks. Why are they not investigated and held accountable? Send some undercover folks to work for some of these companies, with their under-trained sales reps. Watch how they "train". Listen to the advice given to the homeowners vs what you have actually seen on the roof.
Over 13 years in the roofing business and have yet to install a roof via AOB and running through the claim process. I remember when the likes of these types of operations settled in Florida in the early 2010's... You can look up permit records for roofs they installed for let's say 14k with the market value at 9k while the homeowner only paid the deductible... The attorney's found a loophole and teamed up with contractors to get a premium price for the roof and top billable hour pay. I imagine some of the storm chasing only type roofing contractors are actually owned by attorneys! How long does a lender need to wait by law to call back a mortgage if a home owner can't find or pay for new insurance...? Tough times! The wild thing is there are people with 25 year old shingled roofs that still have insurance and others with 12 year old shingled roofs that have to replace their roofs to renew!
I got a loan still I am thinking of getting my bank involved. The got more money to deal with this than I do.
A reputable roofer wouldn’t put dog shit shingles back on a roof to begin with. Thats the problem. I own a large solar company. Unless a homeowner has a 3 year old or newer shingle roof we require them to swap to either either a tile or metal roof prior to us installing. Ideally they go for what I chose for my own home, stone coated steel. Before I moved to FL my texas home saw softball sized hail twice with no damage plus it adds to the R value
@@mattbrew11 I live in TN shingles are still popular here, you never see tile. I have metal on my garage but with the roof pitches here you cant clean you gutters yourself and no one wants to climb a metal roof.
Replace the roof with a metal roof with extra strapping. It'll last 50+ years. Then get a homeowner's policy without coverage for the roof.
I can’t wait to leave Florida
The freeway has lanes in both directions.
@@davidpeterson486 Wow! What's up with that comment?
@@tyroneshoelaces9742 people come and people go... That's life.
In the old days the insurance companies sent brokers to assess the damage and inspect the repair o make sure the homeowner is satisfied with the work. So I blame the insurance companies for letting themselves get ripped off. With the amount we pay on premiums, if you get something for free and they let you who's fault is it really. Remember the insurance companies have to approve the claim and the quote from the roofer not the owner.
and they set the premiums too, but they do it based on their profit margin, not the value of your house.
Blame the Florida politicians. The insurance laws in Florida allow for this to occur.
Here's a decent explanation:
ICA Carter explains how the scams work:
First, roofers canvas neighborhoods and offer inspections to unsuspecting homeowners. These contractors inevitably “find damage” on the roof and often promise a “free roof” to the homeowner, claiming they can have the home insurance deductible waived.
Homeowners are pressured to sign an assignment of benefits form, giving contractors the right to file an insurance claim on their behalf.
A claims adjuster from the insurance company inspects the alleged damage. The adjuster either finds no damage or far more minimal damage than the contractor found, and the claim payout is less than what the contractor demanded.
The contractor brings legal action against the insurance company, demanding a claim payout for the contractor’s original quote. Remember, the homeowner signed the benefits of the policy to the contractor, so the contractor doesn’t need the homeowner’s permission to do this.
The insurance company now has a choice: it can pay the legal costs to fight the lawsuit or pay the costs to settle out of court. Either way, the insurance company loses money due to the legal action.
@@ParkRanger438 shouldn’t after 3 or so sketchy replacements the insurance company sue or counter sue the roofing company for fraud?
This has been happening in CA for several years. Much of CA is now considered high fire risk. Mine went from $2300 a year to $6300 a year. The state’s program would have been over 7k. Something needs to be done to help all Americans.
Bet all those roofers that went to houses caused more issues also! I’ve worked with a few in my days a job that I wish I never did but do on my own cause of the crooks in that field. They’d get a call for an estimate, we would go look at it he’d rip off a few singles, cut the roof pull the paper whatever the case. I reported it after I was left on a job by myself on a day they never showed and also took their equipment because they never paid me either. I guarantee most of them do this is why the owners and insurance agents need to be on the scene when it does happen. Insurance is crooks to begin with so they make a profit and you go through every angle to get you’re justified help from them. Is why they don’t want nothing to do with it. Then give everyone their premiums back and close up! It’s not right nor fair.
Between the roofers and the gullible homeowners looking for freebies these are the main reasons why premiums have skyrocketed. Let’s not forget people that Florida is a sitting duck for hurricanes, tornadoes and high winds which Amplifies the problem a few decent size storms can deplete an insurance companies reserves which in turn bankrupts the company. Honestly what insurance company today can say that doing business in the state of Florida has been profitable? Not many. This is why premiums have to continuously go up. High risk high premiums. Insurers in AZ, NV, NM, CO do not face these problems. They actually have a positive cash flow and plenty of reserves at the end of the calendar year.
@@robertg1101 and is why Florida and those high damage states need better solutions for those problems meaning, they know better to not put on a shingle roof in a state where high winds or bad storms are prone. I mean to replace one after every storm does takes its toll on the whole system in general. There are other solutions to this problem than what they state. I know about the pros and cons of course and people, yet, those people and insurance agencies and roofers need pictures of before and after everything even when a contractor comes to your home even for an estimate. It’s scam all across the board. That’s what people need to start paying attention too also.
You are correct. I am retired INDEPENDENT catastrophe adjuster. Public adjusters are a scourge in Florida that is not discussed.
Where’s DeSantis? In the pockets of the industry.
Freaking had to get a new roof. It was a 10 year roof rated for 30 years. Had no choice but to get a new one to maintain my insurance.
Uncle Sam should provide insurance to hurricane prone areas.
MY INSURANCE WENT UP $320, NEW ROOF IN 2017
We are retired military couple and retires to enjoy our simple life here in Florida . Now, we are affected by higher insurance without filing any claims for many decades! We might have to move soon but our only daughter with her family lives here too. Our oldest son will be retiring in the military soon with his family, thinking here instead HI where we all are from. Guess back to HI is better as families are there still…..they will help us but hubby can’t live in the islands due to PTSD 😢
You pay insurance to cover your home and your roof.....insurance companies want to insure you when you do not have anything to claim....as soon as you need to replace your roof the insurance companies do not want to pay the repairs or replacements....you do not replace roofs yearly you do it 1 or 2 times per 30 years .... the other years are just profits for insurance companies ....They Try To Pull A Fast One on the Homeowners ALL THE TIME !!!
The thing is they really do not have the money to pay for it that are basically selling you a promise to fix your roof if somethings happens and they hope nothing ever happens and they can just keep the money. Think like this your roof cost 10K to fix and your yearly bill is 1K, then in the 3rd year you need a new roof. You are the only client of this company and after all their bills and taxes they can only give you 1K towards a new roof and you need to pay the other 9K. The company never had 10K to start with, the solution to this problem is that for each policy the company must have that amount of cash in reserve separate from everything else.
Sounds like the fix is pretty simple - insurance companies should stop covering roof replacements or any roof leaking issues, period. Let the home owners deal with those repairs and the insurance costs will go down by A LOT
HONEST ROOFERS NEVER KNOCK ON DOORS. Homeowners are to blame , homeowners sign with shady roofers and this is what happens. There are a lot of great established roofers
as a carpenter wood in addic does get damaged and water spreads throughout the wood under the black paper when it leaks in all directions...wood not like it was when we were children it's compressed ...as a carpenter..they use 6bys instead of 8 bys to build houses ...more to the story when it comes to fixing a roof which can easily bring in carpentry and building mantance for a proper fix...
Hire a couple roofers and alot of workers stand outside home depot If you want something done right do it yourself
When we had hurricane damage the insurance company sent an adjustor. They decided if the roof had storm damage, not a roofing company.
Why can’t the insurance companies hire roofers on their payroll instead of independent contractors. That would help carve out the attorney fee issues. Am I missing something here?
why work for an insurance company when you can make more working for your own company and keep all the profit.
De sucko isn't gonna do crap. He doesn't care about Florida's. We can't afford to insure our homes. This is disgusting!😡
Go back where you came from.
that is because your homes use to by built like Crap
If the insurance companies didn't deny claims for legitimate claims, they wouldn't face the 2-3X payout penality. Also if roofers are to blame, why hasn't a single lawsuit been ruled as fraudulent and why are the insurance companies losing consistently? I've been in the insurance business and now a roofer and I can assure you the insurance's only interest is their own. Many are down right crooked. Notice how the news has never bothered to look at a roof that is in dispute and see for themselves if there is damage that warrants replacement? It's not that hard to see the damage and see that the insurance is scamming their insureds, not the other way around. The media is influenced by big insurance since they are threatening to pull their advertising. Don't be fooled.
Are you a storm damage roofer perhaps? Hmmm
@@altriish6683 about half storm damage under insurance and half cash, age related or real estate transactions..how did you ever guess? My suberb knowledge, my screen name or are you clairvoyant?
@@altriish6683 🏆
I file claims and lots of roofing companies will run out and make damage to the roof, take pictures, before the homeowners can contact their insurance companies and adjusters. Some roofers have started replacing the roof before the claim has been filed or approved. This way they can put down that the damage was 3x worst then it was. That’s why the insurance companies are going out of business and premiums are going up.
@@patrecem.9523 What do you mean you file claims? You work for the evil insurance industry?
We are getting a new roof on the 31st we had too, insurance company is going to cancel if we do not, going to cost $92.00 a month, we are now paying $270.00 for home owners insurance. The agent said she can get us a new police for 40% less so hope she can still will not be saving much, we got land in NW Florida If it was just me I would sell and just buy me a RV to live in
A roofing company will get 50k on a roof that actually costs 10k.
Multi-Layered problem but also why are we using shingles...how many fewer claims would there be on a more durable roof?
I have a metal roof in South Alabama, after the 2004 hurricane my insurance with USAA went from $500 each year to $3000. USAA later ran out of south Alabama like a scared school girl. Totally left the market. Now I use State Farm.
What shocks me so much is the cost of an average roof for materials is so very low. And yet the labor is twenty times that?When I had my roof replace, there were many Meixicans woking it. and they did a super great job. They did it in one day. Could there be something else at play here??? Like a workers program to keep them employed????
It’s not that they don’t WANT to insurance your roof they just aren’t going to.
How are you going to charge that much in the state of Florida! With low wages.
Many houses in Florida are not owned by Floridians.
The simple answer is risk. Florida is high risk for hurricanes and hail. It's not much different from Colorado which is the hail capital of the country. My homeowner's policy is $4600 a year here with a $2500 deductible. It's not at all factored on what people's income is, it's all about the calculated risk to the insurance company.
2nd loud car! I think there is going to be a big race today between now and midnight 😅😂🤣
same thing is happening in houston tx
its come here to TN also. There sending out letters to everyone about there shingled roof, replace or get dropped.
Insurance companies are not going broke. They are lying to justify their insurance cost hikes.
Ummm, nothing says ‘going out of business’ more than going out of business.
Washington State homeowner insurance does not cover wear and tear roof damage and there is a sizeable deductible regardless. Are all of these Florida roofs being called hurricane damaged? If so I'm surprised the companies didn't band together and decide to drastically limit their liability. Unless the state in their wisdom requires coverage of course.
In Florida majority of them they claim are from storm damage to justify putting in the claim. I recently left Miami had a neighbor with a tarp on his roof for over 6 months going through insurance. The storm that past thru didn't even touch our area smh.
I worked for Insurance company that pulled out completely in 2007. 😎
USAA?
Price of paradise?! Surely you’re joking.
If they would force this developers to use Descent materials they would rarely have any lawsuits.
that is up to codes people in my town in middle tn apx 35 to 50 miles south of nashville 2018 irc they are asking for 120 mph standards on whole house including the roof. now how many hurracanies does Tn get
@@dknowles60 rarely any that I know of , but that is still good.....weather patterns is hitting places it never touched before....so that is not a bad thing...the former county I lived in ...state of Indiana....they have the bare minimum for codes with reference to infrastructure...matter fact the class I attended about the city and how things are ran there; the chief firefighter said that the" building materials are such of SUBSTANDARD QUALITY...that he would NOT risk the other firefighters lives to save your home from burning to the ground"...they gonna let it burn because that is jUST HOW fast the materials catch fire and burn quickly.
If Insurance companies think they are being scammed after receiving a claim ....They can send an insurance inspector right?....So Why Are They Not Sending One Inspector?.....Or Insurance Company is Trying Not To Repair / Replace the roof as needed ? Policy that the Insurance Company Wrote / Said Insurance will cover if insured put a claim !!!
They do send inspectors.
Nothing ever happens to the scammers but they sure know how to stick it to the homeowner..
3:50 here's an idea, go on Rebecca williams's roof and see if she has damage or not? The guidelines are spelled out in the policy how much damage warrants replacement. 🤷 Seems so cut and dry. They call the roofer a scam, but who knows, her roof may be blasted. She's been on several news outlets and no one thought to check for themselves?
FRAUD!
@@oldblueaccord2629 I agree the insurance companies are fraudulent.
Where's the suggested annual roof maintenance procedues for shingled roofs for Florida homeowners??? If these roofs are well maintained why do insurance companies drop them?
Morgan and Morgan Single handily raising insurance premiums for millions of home owners.
This also hurt homeowners as now insurance companies can put a second deductible on your policy that is equal to your hurricane deductible so if you have a $6,000 dollar hurricane deductible you will now also have a $6,000 dollar roof deductible. This legislation is a huge win for insurance companies and a huge lose for property owners.
Just spent 41k out of pocket to replace my tile roof here in FL . Right now I'm looking at paying the rest of mortgage off and saying screw the insurance . Will carry liability other than that I am at the point of screw the insurance .
Of course Floridians should pay more than other areas. For far too long, the public has been fleeced by Floridian homeowners living in a hurricane area. When you live next to the ocean and in an area of terrible storms, pay up. Don’t expect others to subsidize you. Move to a safer area.
I'm no longer waiting for GRANT LOAN because I earn $29,700 every 10 days recently
Same here lol,My previous profit withdrawal investing with Mr Walter was over $18200 and it's still counting high
Same here although got some help anyway, still new on all this but am happy am in
Mr Mark Walter is an expert trader on a certified broker, I've worked with him for years, everyone he processes he or her trade, is so lucky, all you have to do is believe in him and fellow his guidance. Then sip your drink and relax.
I have heard a lots about investments with Mr Mark Walter and how good he is, please how safe were the profits
@Elias Lucas wow that's very nice Please how can i be able to reach out to your broker, my income stream is in a mess.please
Very sad situation...How do you stop the bleeding? Put a tourniquet on it and fix the problem ASAP
Speaking as an actuary who has worked for multiple P&C insurers who have pulled out of Florida - Homeowner need to read “The 3 Little Pigs”… build your home to last. Florida is a state full of old, poorly built houses. Not to mention there is a lot of fraud in the state and too much regulation on insurance companies. This is a tough lesson to learn for everyone.
I haven’t had any problems with my home insurance in Florida.
Be thankful and be mindful that it could change, everyone I know in South Florida prices increased a lot last year
This is been going on over 20 years good luck I left no republicans will address this issue
No different the car insurance, make a claim the premium goes way up.
These horrible roofing companies that come door to door, i just look them up and report them and leave a review.
Yo is that Goku’s grandpa
Where is Disney Desantis and the two useless senators?
Busy hitting up roofing companies and lawyers for campaign contributions.
My thoughts EXACTLY! All of a sudden we need a SPECIAL SESSION???!!! When you had all of the regular session to do this. But he's fighting Mickey Mouse...SMH!
He don’t care about the elderly, homeless, disable, vietens, working class and now homeowners.
I have lived down here for fifty years, the only changing is property insurance will continue to rise, deductibles will increase and insurance company’s will file bankruptcy when a cat 3-5 storms hits population center: Miami, Lauderdale, Daytona, Naples, Tampa Bay, Jacksonville. Peace