Well the media sites, the government, NAR, and others are trying to tell us what we can say, how we act, and now the insurance companies are trying to add more control on what they already try not to pay we are covered!

They are demanding repair of something that is not theirs & hasn't happened/depreciated. So a 10 year roof in FL is garbage?

Like a car company saying you don't change your oil every 3000 miles you can't get insurance.

I can see this is going to court. Overstep.

Only thing an agent can do is to ask their local board to get the state board involved.  Maybe join up with some low income housing group for the "adversely impacts impoverished communities" aspect.

Maybe it's like the Catholic Church's "Fish on Friday" mandate.  That came about because the fishing industry was on the brink of collapse and they made a deal with the church.  Maybe this is the Florida Roofers Association (if there is such a thing) making a deal with the insurance companies?

replace the roof every 10 years or move to another state.

WOW! Talk about over-stepping, Annette!

Can you get Florida's Insurance Commissioner involved? Perhaps through the Florida Real Estate Commission - maybe even get the National Association of Insurance Commissioners involved if the state regulatory agency won't help?

If that doesn't work, I would take it to the media, naming the insurance company who is doing this. Even if it's a statement on Twitter or Facebook, stating how this insurance company is treating their customers...I know of several people that worked for. The companies realize the danger of a viral social media post and the damage that can be done if it continues unresolved to the writer's liking.

Maybe you could partner with a roofing company and get them a discount on replacing their roofs?   Figure out someone who offers financing?  Seems like their options are limited.

Annette,

File a class action suit...A

Makes no sense to peer too far into the future and speculate or what is the point of insurance? We pay to be covered in THE EVENT! There is nothing stopping either party from cancelling with each other. Would the next insurance company just insure or require work before hand? As far as the bank saying you are in default "get out" as you put it...it doesnt happen that way. They give you notice to insure and if you don't, they will insure it and bill you for it or add onto the loan...Look for lots of money saving shenanigans by all businesses in the name of survival. These are tough times...and more to come I venture

If they were all to switch to clay tiles or metal roofs they would be okay? There are shingles that are good for 25 years, so insurance companies want you to rip out shingles that still have another 10-15 years of life? That’s ridiculous. Can residents get insurance on their homes from out of state insurance companies?

I think that the Florida owners need to review their insurance policies and see what their coverage truly provides.

Not all insurance companies provide the same coverage...at the same price.

Maybe it is time to go shopping for a new carrier.

Law suit special coming your way.

move out of Florida

This has me stumped. 

ALL insurance companies have unilaterally decided this? 

What other types of roofing would be appropriate for the State?

All insurance companies? Must bre recent since I have relocated. I owned a home with a roof older than 10 years and replaced it once in 17 years of ownership after a storm. It was over 10 years old when I sold it.

Work via your elected officials. Find out what information the insurance companies have that points to the fact that shingle roofs that are older than 10 years present a particular hazard for the houses. What do the manufacturers of say 20, 30, 40-yr shingles have to say about this? Do they not stand by their products or are they lobbying the insurance companies to include this sort of requirement to grow their business?

FAKE QUESTION!!! A little research will debunk this misinformation and you will see that they are not canceling policies. If your roof is over 10 years old and is damaged then you will receive the pro-rated value of the old roof instead of a brand new roof. Save your outrage for something real.

https://www.wfla.com/8-on-your-side/better-call-behnken/proposed-legislation-to-stabilize-property-insurance-would-cut-coverage-for-roofs-more-than-10-years-old/

https://www.wfla.com/8-on-your-side/better-call-behnken/insurers-sending-letters-to-replace-your-roof-or-lose-your-coverage/

Yes, insurance companies are getting very picky in Florida...is is not limited to a few companies, it is all of them.

REASON?

Since there are many homeowners who are not getting a good paycheck, fake insurance claims are on the rise...therefor insurance companies are not wanting to insure "old" stuff. ( that they will be expected to replace in a few years)

I get it and can't say I blame them...and I expect that insurance companies in other states will follow.

So what can you do?  
1. Raise your deductable, or limit what it covers.

 2.Tune into home inspections and skip the problem homes 

 3. Get the seller to credit the buyers for things that are at life expectancy.

Eve

PS: Besides a 30 year single roof will only last about 15 years in Florida.

Do you have a link?   We have a number of properties in Florida, insured by different companies.  I have not received any notice to this effect.

That is crazy, here in NH nearly all roofs are shingle and we get 20-25 years easy. The new shingles are even 30 years. Insurance companies are taking a beating in Florida. i think it is there way out