This is what insurance does-Health, car, homeowners, etc. You pay hundreds of thousands of dollars in coverage, and they end up never covering anything.
Insurance companies are going out of business because they can't handle the scams. All insurance should be used for catastrophic claims. If you file small claims or try to scam your insurance company - your rates are going to go up.
Literally every insurance company in each state submits this kind of math to the state department of insurance every year. They are all heavily regulated and cant raise rates if they dont show that the payouts necessitate it. They cant just raise the rate because they want more profits.
@@rellie_90 You say this with no actual basis of what actually happens, just knee jerk skepticism. If you ACTUALLY look into the work done, YES there are hard numbers and scrutiny of all figures submitted to the state. WAY more than what any public adjuster or roofer gets. Insurance companies are actually regulated to not make an excessive profit
More hurricanes, more flooding, more natural disasters. More polar vortexes because the jet stream is moving with climate change. More climate changes equals higher and higher costs until the great migration because no one can live there any longer. West coast running out of water and on fire.
You bought a policy that covers certain things. If you have one of those certain things happen, it will be covered. If you don't, it won't. You not understanding what you've purchased doesn't make it a scam.
@@fredsmith3963 still don't prove anything.. and as far as I'm concerned all insurance company charge way too much for no more than what they're paying out or willing to pay for when something's gone wrong bunch of scammers
The fault goes to all parties, the insurance companies have been collecting high premiums for years and not preparing for the years they have to pay out, roofers taking advantage of a law to make money off roof damage the owner was not even aware of and of course the lawyer's taken their cut but in the long run its the consumers that pay the most.
here's my take to go along with this comment. All these 'fatcats' who suffer any insured damage reap the biggest reward. The 'skinny people' end up footing the bill with little to no a /re ward. As for all the idiots that think they can drive while chatting or texting shame on you. I get a kick out of 'intersection crashes'. Seeing everyone phoning their insurance. I hope you were making the million dollar call because it's going to cost everyone a lot more than that in the long run. Think of it like this, Your cell phone is like a virus in your car that will sooner or later end with a crash.
Yep It's all about the MONEY They can take care of other countries but when it come to us show me the money we have to suffer this is why people are loosing there homes an living under bridges I just want an Island out in the ocean a I want to be left alone I will be like Gilligan's island I will ride a bike for power I want a Mote with sharks an alligators to keep people away I can't live like this anymore Everytime you turn the news on something else !
it's more your fault than the roofers, your logic. so the idiot home owners want a new roof because a tree limb scratched a shingle, rather than live with the imperfection, or touch it up, the home owner demands a roof from their insurance carrier, and it's the roofers fault ? let me guess, you are a teacher right ?
State Farm homeowners' insurance did me the same way. My policy was around $1300 a year for many years, then after I paid my home off my policy jumped to over $5300 a year. When I filed a roof claim for hail damage State Farm cancelled my policy in a middle of my claim after more than 20 years of payments.
Even if they cancel your policy, they are still responsible for any loss that occurs while the policy was in effect and it's fraud if they try to back date the cancelation.
StateFarm did the same to me. Over $3,600/year. Roof 12 years old. They canceled me without letting me know. I found out because the auto draft from my bank account wasn't being taken out. I had multiple homes and vehicles with them. NEVER a claim on anything in my life. Funniest part is they wouldnt even answer my calls or emails. They just canceled me without any notice whatsoever. You then go into a "category" of canceled homeowners which puts a blemish on your record. It took me nearly 6 months to find a new homeowner's policy.
I'm done with buying home insurance. I have no mortgage and therefore no longer required by a bank to carry insurance. I will do what the insurance companies are supposed to do and invest the $4K they want me to give them each year to ensure I have funds for repairs if/when needed. The insurance companies can get rich off of someone else's premiums.
That's where I'm at too. I had to switch companies this year after the one I had sent me a 100% increase. When I complained they said it was due to the price of lumber going up. I have a stone house. Yeah, yeah, I know there's lumber on the inside, but if this sucker burns, the stone shell is still going to be standing there to rebuild in. Old house, solid stone two feet thick. I get an increase next year, I'm done with this scam.
If you carry no insurance on paid off house are gambling nothing happen to house. Fire, water, storm, sewage damage. Here in Colorado dimwitts didn't carry fire damage then a forest fires came burned thousands homes, and they had no insurance and no coverage to rebuild on homes that were $400-800k .
Sadly you can't be tough on companies these days, to many are owned by libtards and pointing out how evil and dirty they are will get you called sexist, racist, homophobic or your dick offered a serious sucking.
Imagine how many people can't fight these S.O.B.'s especially all the older people we all know live in florida. Thank you so much for this reporting. KEEP IT UP.
My father was an insurance investigator. Needless to say I learned at an early age how truly corrupt and evil the system really is. They have never received a dollar from my pocket in over fifty years.
Yeah. I learned that when I was about 13. Then I lost almost all inspiration to keep going in life. And the anger that most people will not realize that.
@@LG141602 There has to be a way to break the dominance of their misinformation monopoly . This is what I hold on to. We are , at the heart of the issue , lazy thinkers and that allows them to easily take control. A kind of collective consciousness created to enrich themselves easily.
Idk if people realize desantis is just putting a show until the elections come around. Once he wins watch him help those scammer roofer companies and insurance companies fill their pockets. Democrats do that too.
@@ObesePuppies Agree, both parties work for the zero tax paying corporations, NOT the TAXPAYERS. But as a Floridian I get sick of the GQP propagandists acting like their party is so awesome when they SUCK!
Dirtbag roofers, and people who dont do maintence on their home In addition to dirtbag insurance companies. Yes. i work in insurance. Its not just a simple issue.
Unfortunately, even if you take care of your roof - these statutes in place that say ten year or older roofs have to be replaced vs being repaired are the problem if the roof is indeed repairable. Politicians (both parties) and the insurance industry are in cahoots to screw the consumer.
Here is an answer. You have 2 choices already. Actual cash value coverage or replacement cost value. It’s a free market. Buy what you want. No special session needed. We as consumers are making the choice to buy better coverage. Insurance providers want to take our choice away. Let’s do a special report on why it’s legal for insurance companies to mislead and deceive. If we do that we are guilty of fraud.
Definitely not that simple. The same roofers selling you a “30 year shingle” is the same one telling you it’s shot with bs hail damage on a 20 year shingle. Insurance carries then deny the claim because of wear and tear, and they are correct. Shingles in FL get cooked in our weather conditions, so a 20 year roof here looks bad. Claim then gets denied for wear and tear, and homeowners get upset and get an attorney. This becomes a cycle, and that’s how FL ends up accounting for 70% of attorney represented claims out of all 50 states combined.
There’s the other issue’s Mortgage companies want or insist on replacement coverage. Take that away and what happens. Higher down payments? Also. Hail and wind damage are real things. Why do you think the insurance companies pay to replace damaged roofs? Now. Does a damaged roof have to be replaced? Should it be replaced? I have the answer from an insurance companies point of view. No! And YES! If the current insurance company never planned on dropping coverage and the homeowner never planned on switching, perhaps a replacement could wait. Once you switch insurance companies the new insurance company will not want to cover any damage to a previously damaged roof. If during inspection they find storm damage they will put it back on the original insurance company for replacement right away. Does storm damage terminate you shingles warranty? You don’t want to know.
@@JoseMartinez-sj7jr You are incorrect for the most part. The contractor's have the homeowner sign an Assignment of Benefits contract and the homeowner many times never even knows there is a lawsuit filed. Most of the time, the contractor is working with Public Adjusters and attorneys from the start.
@@retiredinbali9565 Who cares, groomer....at least your kind will be gone, and that's what the house was worth before house flippers inflated the values anyway..👋
Insurance companies make billions and this roofing scam is taking a chunk of those profits: that can’t continue to happen so they will leave the state that allows the scam to go unchecked. Where are the lobbyists for the consumer? Oh yeah, they are the elected politicians. Both parties are very quiet and basically absent on this issue that has been happening for years. Policyholders are taking the beating on this
@A H no 'seem' about it. Another crash is on the horizon. This one will squash the great depression. Shortly thereafter, they'll wipe out cash completely. (This is where crypto currency comes in) Then the 1% will for the 1st time have 100% control over everybody else. For 'they' are the only ones allowed to live on this planet. They own it. They own you.🤢
Well, at least you're middle class. With 100k+ in your piggy bank. But, when Capitalism isn't checked and balanced, the rich eventually devours the poor. Live the high life while it lasts, folks.
oh those poor insurance companies just think if things get worse the investors that do absolutely nothing might get a smaller dividend check. what if the CEO has to take a smaller bonus how horrifying
Reading these comments, I feel like a lot of people didn’t either watch the video, or understand it. If you only watch the first part of it, it seems like insurance companies are just raising rates for greed. While I’m sure that’s true in some cases, this video is how legal system is failing consumers and insurance companies on this topic. Too much money is being spent on either bloated or outright fraudulent claims. When a company is telling you they averaged 26 lawsuits a day over the course of a year, that should get your attention.
Insurance companies are a total conflict of interest and should not be allowed to continue to do business. You cannot be motivated to make the most profit, please investors, shareholders, etc. and then claim that your business is to help people. Helping is totally at odds with their bottom line.
" Helping is totally at odds with their bottom line." Nope. Helping is key to protecting the bottom line. You don't help, customers go away. You set aside adequate reserves to cover expected claims, then carry your own insurance for those extraordinary periods.
People are thinking companies are in their best interests. The law is flawed because everyone can collect massive checks and dissolve when shit hits the fans.
Insurance is an inversion of the biblical mandate to “bear one another’s burdens”. Instead of taking the personal responsibility necessary to take care of each other after something unfortunate happens, we have allowed wolves in sheep’s clothing to drum up fear of catastrophe in order to extort us before the unfortunate event ever happens. The former is based on love of neighbor and the latter is based on fear. We reap what we sow.
For years now people are running around telling homeowners that they can have their roofs paid from the insurance company due to storm damage. It just happened to me two weeks ago but I declined the offer from the roofer.
Roof rejuvenation is the answer, make your roof last 30 years putting the oils back into dried out asphalt shingles. Call Restorsurance Services in Orlando. “We do this every shingle day” tm
So, let me get this straight, it's OK for insurance companies to renig on the policy for 2 or 3 shingles being out if place on a 10 yo roof, for ie... But when the client puts in a claim for the same scenario, it's fraudulent???!!! Hhmmmm....
Correct. Let's not forget 'insurance companies' are protected by your government. There is a lawyer commercial on the radio here for accidents stating 'you can't even mention insurance in court'. So don't forget they're regulated by the government.
3:33 😂🤣😂 even the insurance companies know how lucrative this volatile home insurance market is. Now they want to start their own roofing companies. But seriously, I feel sorry for the homeowners. 😔
Allstate after 15 years wouldn’t cover roof damage from hail Only paid 4000. The whole roof Needed replaced after 3 estimates. Changed companies. Went with Erie Cheaper better insurance.
Health Insurance = Nobody owes you a damn thing Homeowner's Insurance = For when your tree falls on your neighbor's house and you get sued for $300K, that you probably don't have. Car Insurance = For when your dumbass damages someone else's property and they don't want to a sue a poor person for damages.
A number of years ago, I worked in a little town of about 150 homes and 500 people. A big insurance firm sent in a team that visited almost all the residents and sold about a third of them home insurance policies. Some others were already dealing with this company. Less than a year after this event, a strong storm with very high winds hit the area. The majority of homes in this village suffered some form of damage, including entire roofs blown off or destroyed by tree limbs. Hard to believe, but the majority of insurance claims were either subject to very weak coverage or even completely denied. A bunch of the affected local owners got together and filed a combined lawsuit. They won stoutly and the scammer ended up forced to pay adequate repair compensation for every affected policy holder ... along with some big attorney fees, fines, and compensations for individual customer frustrations. All this took months. This story could fit just about what people have to go through with ANY kind of insurance today ... some of the biggest scams we have to deal with.
Now you can't have it both ways. People need a new roof to keep good insurance but insurance Companies cry when they are the ones that need to pay for the roof. Maybe change your roofing rules. The loop hole is one they created themselves.
Isn't this a common sense problem on the part of the insurance companies. You see when they would rather replace a roof instead of covering a repair or making someone who knows they are right hire a lawyer n go to court. Just let that sink in. In both these cases the insurance company could of got off cheap but they just have the mindset we aren't paying for anything. It cost more to do dirty business in the long run.
That doesn’t matter one bit when the homeowner signs an assignment of benefits with the roofer. That homeowner signed away all their rights to the claim. So when a roof that is damaged warrants a repair and the roofer doesn’t like that because of course they want to make more money by replacing the whole roof. They get with their attorney to scheme the carrier into paying for the full roof because at the end of the day while a repair would’ve been sufficient, paying for the roof is less money than fighting it in court. The roofer, the attorney and the carrier knows that. So what happens now when everybody and their mother wants a new roof off some small amount of damage and they continue to always get the fkn roof? Price for premiums skyrocket. And that’s the whole problem in a nutshell without even getting to involved with fraudulent af public adjusters which is a whole other story.
@@MrChancla your going on the assumption everybody is out to scam the insurance company. That isn't true at all. Yes some people do that but the vast majority of those people are just hardworking honest Americans with families that pay their premiums n always get a hard time when it's time for the insurance companies to make good on their part. Of course if your a insurance company always trying to get over you think everyone is doing that. No it's the insurance companies doing dirty work.
@@theresaromeo5484 when you’ve been a property claims adjuster for over 10 years come back to me. I’ve worked for many of the major carriers at the local and national level working major catastrophes, daily level claims and in insurance litigation. Carriers are not out to pull one over. Litigation is expensive and all carriers want to avoid that annoyance. People aren’t satisfied ever though and they will push and push until they get what they want. There’s an argument on both sides here but the main problem is how easy it is in FL for scammer roofers, attorneys and public adjusters to game the system. I see it everyday
Florida building codes require full roof replacement if more than 25% of a roof needs replacement in a 1 year period. Given that replacing even ONE shingle requires replacing several around it to do the job properly, as little as 8-10% of shingle damage requires a full roof replacement to meet code. A new law, passed in 2021, allows insurers to "pro-rate" the replacement cost of roofs over 10 years old. In addition to high hurricane damage deductibles of 2-3% it can mean a huge cost to the homeowner to replace the roof. They don't like that. So they go to a public adjuster or an attorney and give notice of filing a lawsuit. The insurance companies cave in to avoid litigation costs. Compared to the cost of a roof, they will lose money even if they "win" the lawsuit. Attorneys know this and are making bank by writing a letter, paying a filing fee and taking a phone call to settle. Easy money for attorneys.
I still don't understand 1/4 of what is going on, and I'm not that dense. This needs its own 30 minute special, not a rushed expose report. Get all the information in one place and ELI5.
Most insurers don't make any money writing you a policy. Only after the investment income they earn on your premium is taken into account do they make money.
@@JosefJochemPodcast I beg your pardon, yes they do make money why else would they be in BUSINESS. Also the agents LOVE writing NEW policies as the first couple of years the commissions are much higher.There are also TRAILERS for years. You can tell when it is no longer worth the agents time to service you...your calls go unanswered for a while.
Don’t let this deter you. Homeownership is an investment that comes out on the plus more often than not. In general, values go up over time. Usually slowly. It is fast right now due to many factors. Housing is getting harder to purchase in many areas. Don’t be stuck renting, and then be forced to pay increasing rent over the years. Yes, there is cost of upkeep, but if a person is smart, they set aside for this, just as a car owner should have funds aside for maintenance and repairs. I just learned from another comment that there is a difference in types of insurance. And that the best way to go is MUTUAL COMPANIES. Look into that type and learn the difference. I didn’t even realize my own homeowners insurance company is mutual. (Tennessee Farm Bureau) We just had a roof claim last year. The rep came out, saw the damage, which was wind and hail, and within days we received a check. Then we had a certain amount of time to show a receipt of completion. Also, depending on where you live and income, you might qualify for assistance. Thresholds are higher than you think. The program in my state, which helps with down payments, is meant to help first time buyers become homeowners sooner. I assume most other states have similar programs. There are also other types of loans, farm loans, FHA, etc. A good realtor and/or mortgage finance company can explain the options. Though you can find a lot of info online. We got an FHA loan, which only required 3.5% down, and the program I mentioned covered the entire amount. However, one must maintain mortgage insurance, which is separate from homeowner’s insurance, but is rolled into the mortgage payment. It can help get one’s foot in the door though, which can save a lot with the rapid increase in housing prices, not to mention the equity you build if you move after a while and then do a conventional loan. When refinancing last year, we had to pay it back. If you don’t move or refinance after 15 years, it is forgiven. After 10 years, the amount “owed” will decrease. We initially paid $198,000 ($83.5/sq. ft.) for our 2370 sq. ft. house on half an acre 7 years ago in July. The 1876 sq. ft. house next door just sold for $430,000. ($30,000 over listing, making it 229/sq. ft., typical of the area’s sold homes) We have upgrades that house doesn’t and finished our basement right away, (so has 600 more sq. ft. of living space that I didn’t include as stated above; anything “below grade” can only add half value, so it can’t be listed as 2970… basement rules, despite french door walkout on one side and 2 other sides of full windows) along with other improvements. Same acreage. We refinanced in Dec 2020, taking out cash to pay debt, with something like 2.1%. So our mortgage with taxes and insurance now is around $1500/mo. Renting a 1500 sq. ft. house in the same area is running around $1800/mo. Granted, if we had to buy our house now, mortgage would be higher, but with a fixed rate mortgage, the only thing that makes it go up is property tax increase/homeowner’s insurance, which will make a need for higher escrow to cover them. Although, some people don’t roll homeowner’s insurance into mortgage payments. Some loans/banks do require it. I mention details just so you can see why it can be a benefit. But of course, when big things need repair, it is a big punch all at once. Like, next on our list is replacement windows. A couple of the front ones recently have fallen out when trying to open them. It’s going to have to wait though, as we ran up debt again during a tough 2021. (Small business) Still, we are paying much less than we would to rent the same house. My brother just bought his first home for $500K in Nashville, and their mortgage is around $2500/mo. I tried to get him to buy years ago, and then use the equity built up to buy the home they really wanted after a few years. But he was too nervous to make the jump then. I don’t want you to panic buy. That is NEVER helpful. Just giving you other info to help you decide what is best for YOU. There are definitely benefits to renting. No responsibility, besides regular cleaning and care; flexibility after lease is up, etc. Pros and cons either way, really. Just don’t be scared off by insurance, if you had been wanting to buy. Do your homework to find a reputable mutual company in your area, and you’ll be okay. Whether we rent or own, we are living in transitional times. And things are tough no matter what. Good luck with whatever you decide!
Homeowners need to hire a public adjuster! If you suffered from a loss at your property, call one. We represent homeowners, we handle all communication and negotiation. If there's damage from a COVERED loss. You are owed.
@@dwaynegeejr Yes I do get paid a percentage on when the claim is settled, but I will never sign on a claim where I cannot help the insured. If you ever want to get on the phone and talk I'd love to explain more to anyone who's not sure about using a Public Adjuster. Im only in Michigan right now but I have my Florida license as well
@@CTee666 we can only do 10% in Michigan, but not all my claims have been signed at that. What I usually do is take her percentage to where the contractor can still do the work after I take my percentage so that way the homeowner or property owner does not come out of pocket.
Sounds like you may be one of the good PAs out there. I am an insurance defense attorney and the PA field in Florida is filled with PAs who are focused on nothing but maximizing the take. The majority of claims that come across my desk have PA and attorney involvement from the day the claim is reported. The estimates I see have shingle roof replacements ranging from $900 to $1400 a square. Then when you have roofing contractor estimates to combat the absurd pricing the attorney refuses to rssolve the claim unless the insurance agrees to overpay. They do this to ensure that suit gets filed so they can get their attorneys fees. Its disgusting. I have several PAs that I trust in FL who are just as pissed off at the crooked ones.
i live at 3k elevation, insurance company "Tried" to say i lived in a flood zone. if i flood, everyone below my elevation will be drowned well before the waters reach me.. its past time they pay out to the people.. and the shot callers should be jailed for fraud..
Insurance rates are going up all across the country. My friend works in the industry. The hurricanes down south in the last few years have wiped out the insurance reserves and thus, they are trying to recoup their losses. Don't blame the lawyers on this one. If you do not like the law regarding replacement, have it changed. Simple. The law was passed because you guessed it - the insurance companies refused to pay out. Not a fan of lawyers but understand there are many layers of what is going on with this issue. Also, you insure for total loss - you should not file a claim for a broken window or minor repairs. I have filed one claim in 20 years.
the INCREASED value of the houses is driving up the cost of insurance as 'replacement cost' is insane. I think banks granting mortgages may require it.
You have the right approach to insurance. The more people use it only in catastrophic circumstances the better for everyone. This is true of property insurance as well as health insurance. Insurance companies are so large that trying to get them involved in small losses is terribly inefficient.
@@JosefJochemPodcast Health insurance is a little different though in that you also get health insurance so you can get the discounted rates. Not as big an issue with Doctors but for Hospitals the list price is anywhere from 3x to 5x the discounted rate that the insurance company has negotiated.
We need a special session, but BIG INSURANCE should be held accountable and should honor their policies and the protection that homeowner's buy from them. All the insurers expect Citizens are for profit companies and many of them are publicly listed companies. They jack up the rates and then deny claims. This is why there is so much litigation - insurers don't pay an would rather pay their experts and attorneys than simply pay their clients. Insurers should also offer different products - types of policies. You should get what you pay for, but most people don't know what kind of insurance they are paying for or what their policy covers.
Sooooo the majority is going to lawyers, who wouldn’t be necessary if the insurance company actually paid out when they were obligated to under contract? And that make the lawyers the bad guys?
The best way to fight disreputable Insurance companies' and is to file a complaint with the state insurance commissioner. If you can get a lot of people to do that, the commissioner is obligated to act upon the complaints and has the authority to yank their license. 🙄
Insurance companies are getting more lawsuits because they are getting ballsier in denying claims-we need stricter regulations on insurance companies’ claims handling practices and on the writing of insurance contracts
Good luck with that. They can either do more to deny your claim or do more to deny your initial application. Even if they're legally required to break even and not make a profit, they're still raising premiums. This stuff still exists everywhere but nowhere near as much as hurricane prone Florida. If these people want to stop being scammed, they can try not living in a place where the scam is most likely to occur.
When we were looking at replacing it roof when purchasing a home, a contractor said that we should have the current owner claim storm damage and have it replaced that way. It sounded sketchy so we refused and just paid for it ourselves.
After Sally I came home and found a woman who was wandering around my house despite the 3 no trespassing signs. I asked what she was doing and she said " we need to send our guy up into your attic so we can see what damage you have and get your roof replaced". I told her we have no damage, not even one missing shingles. She insisted I should let them look and I told her get the F off my property and don't come back.
As a solar contractor in the same area as Shields Roofing, can definitely say that there's a major problem. We don't do roofing ourselves, but by the nature of the trade we work with a lot of roofers. There's good ones, there's bad ones, and then there's many that aren't bad but have immoral sales reps (which is the same in any industry, including mine).
This is true, I had to replace the roof on our family home and there was zero problems with the roof except that it was 12 years old. My insurance carrier was going to cancel my insurance if I didn't replace the roof anyway. So it cost me 8,000.00 to replace the roof... it's bs... the roof that was on the home was guaranteed for 20 years. A 4pt inspection proved there was nothing wrong with the roof. But I still had to replace it or no insurance... it's totally bs
The insurance company is trying to protect themselves. if everybody gets a free roof then everybody has to pay insurance rates that cover free roofs. Your roof is worn out is not what insurance is for.
and just what do you suppose he should do about it? THAT is a civil matter. Do you want him to try writing decrees like Biden? He has a state GVT to investigate and make laws, why not find out what THEY are doing?
But metal roofs in Florida go flying in hurricanes, and burn up the house with the heat! Homes aren't built for Florida. The homes from the 50s were the best, flat roofs, all concrete, they LASTED.
DEFUND the Insurance companies. When they start building Stadiums or buying them and not honoring their obligations to their clients - they need to go and not collect bailouts from tax payers.
I'm surprised that there are any insurance companies left in Florida. I guess the reputable ones bailed out long ago, leaving only unethical insurers? 🙄
Insurance companies need to stop paying attorneys 1x, 2x and 3x the amount of the homeowners claim to being with. Each claim needs standardized payouts to attorneys
I've also had a company say that a roof that I had on a rental property was put on backwards. and they were old. The home was a module home and it was less than 10 years old. never heard of that before. That was State Farm. I had two roofers look at the roof and they said they did not understand what the insurance company was talking about.
From what I've heard, the insurance companies are treating the metal roofing much like shingles....They're giving shingles a 15 year max and metal 25 years. Can't confirm this for sure though. Metal roofs, done right should have a much longer life.
Don't take it out on the roofers. But I would question that metal roof in plant city and that shingle roof for 20 grand. What material is being used? Look around for best price and always compare quotes in term oranges to oranges here in florida
@@limpingoatfarm oh yes your right The other day I had a realtor to send me a card wanted me only to sale him my house It's not for sale I live in South Carolina an they are throwing up these townhouses I'm about done paying for my house I'm on disability an Im not moving I'm fine right where I'm at
Stop this atrocity. Had a roofing company tell me I could get a free roof because seventy mile an hour gusts were reported in my area. A few years later my insurance company gave me five weeks to install a new roof or be cancelled. Can't Install a new roof in five weeks but these ambulance chasing lawyers are holding a gun to the insurance industry. Who is the criminal here
I live in Daytona Beach and want to put a special shout out to Brown and Brown Insurance LLC for putting up a massive new building in downtown Daytona and sending all of us the bill for it. I guess it not enough to have a home with an 8,500 square foot dining hall. This is bull$hit on high.
The problem is an insurance companies here. The problem is the law in Florida is carefully crafted to allow roofing companies and lawyers to do whatever they want. You don’t need a roof, will put one on anyway the insurance company will pay for it.
The government can't balance its own books as it is, so why should we trust them to hold onto insurance reserves over a long period of time? Most likely the sitting president would use the reserves to pay out all kinds of non-sense we have promised people. And then no one gets a payout when SHTF!
15 years never had a claim. Hurricane Sally ripped my roof off. ASI/Progressive denied replacement. Forced to sue them. Going to self insure from here on after this experience since I have no mortgages.
