No vax = sick workers = production and transport delays = scarcity = rising prices.

But the insurance crisis looks like profit taking by the monopolies.

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“It is the heart of US policy to use fascism to preserve capitalism while claiming to be saving democracy from communism “ - Michael Parenti

Trying to make hay and reduce exposure after getting hammered in the last few years. Remember "Dropped by the Farm" after the 2004/2005 seasons? It is mostly fly by night profiteering shit bags that are selling property coverage around here now. The risk is super high to if prices are actually set to risk... That is where regulators have to make sure the companies have capital to cover when Dorian doesn't stall over the Bahamas but makes landfall as a cat 5 somewhere between here and Key Largo. They won't. We get a real hit and it is going to be bad. They are just going to declare bankruptcy and leave everybody hanging.

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When I shopped around for quotes, the agent mentioned that a 15 y/o roof is considered as "old"

Edited: 01/25/2022 at 06:49 AM by seaspray

30 year shingles are more like 20 year in FL with the sun and deluge rains. Our roof was 16 years old with shitty three tab shingles and insurance said "nope" even though they were technically 25 year shingles. We re-roofed with metal a couple of years ago. Lot of people are also using storm events to get a re-roof. They just hang on to the old shingles until a couple get torn off in a storm or a couple of hail stones and then you get the roofing company that specializes in storm roofs to get you a new roof for the cost of a deductible. That hail storm over here back in 2019 cost insurance companies a pile of money. Some roofs were legit hail losses but the roofers crawled the neighborhoods and got lots of people new roofs even in places where the hail wasn't that bad.

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30 year shingles sold in Florida have a 30 year MANUFACTURER WARRANTY!

It's legal and binding!

The insurance companies have no legal right to void this warranty.



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The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Who said anything about insurance voiding the warranty? That's not what is happening when insurance says it isn't going to cover an older roof.

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You want to make a warranty claim? Then you file with the manufacturer. Good luck with that.

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What a fucking idiot

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"Most people would die sooner than think; in fact, they do." - Bertrand Russell


"Morality is doing what is right, regardless of what you are told. Religion is doing what you are told, regardless of what is right.


If I do not answer you .... nothing personal, I just have you on ignore.

Pay the extra 1k+ premium or get a new roof!

Warranty voided!


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The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Edited: 01/25/2022 at 10:54 AM by Fish Killer

That is crazy. Insurance is priced on what they think you will cost them. They say your warranty is crap. Take is up with the manufacturer is you don't like it. I am not going to write you a policy for an old roof because you have a bullshit warranty. This is a market situation. Notice how they want a regulator to force a company to bend to them when it suits them.

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Warranty voided.

FACT!

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The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Seriously. Warranty is between you and the manufacturer. Your phone insurance company has every right to decide that the warranty is crap and your 20 year old roof is a risk that they want to avoid. Do you not believe in free markets? Property insurance is one place where market distortions really need to be untangled to optimiZe pricing and promote risk aversion. This is especially true in fire, flood, and hurricane zones

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Biden orchestrated it!

THANKS BIDEN!

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The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Let's see here. Who were he ones who pushed the covid panic? Believe it was you guys. If everyone had followed my advice, none of that would be happening now. The monster you created is devouring you. Good.

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I :heart; Q

Yep, , , , ,!!!!!!!!!!!!!

My Homeowners went up 69%. FOOK ME !!!!!

My mortgage "escrow" is $3000 short but I am lucky that I can cover it.

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Dora Hates You

yeah...what about all those people that can't?

Shithead!

You voted for Biden......

FUCK YOU!

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The REAL truth is....both of the forum idiots are OWNED.
-BOTH of them have no clue who their owner is.
-They are both card carrying narcissists.
^These are PROVED facts.

Biden also caused natural gas prices in Europe and Asia to go up and computer chip factories in Malaysia to shut down in 2020.... He is almost as talented as the time traveling Obama who became president in 2009 but managed to go back in time and cause the 2007/2008 financial crisis that led to the great recession.

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He's a disaster. Most of us know that now. Thank God he cannot go back in time. We'd be speaking German and/or Japanese now.

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I :heart; Q

After the 05' hurricanes I got the top the line shingle - 40 year - paid $$$$ extra..

Why the fuck did I waste my money if they don't give me credit? Insurance companies for you..

Need to get a 20 year shingle and let them bear the brunt of the replacement cost next event - including indicental water damage..

The really fuck you since you can't buy HO without 'wind'.. If you go solo (assuming you own your home outright), get a fire or similar and you are fucked...

Make no mistake about it, the insurance industry owns the gov't - sentors etc need $ for their re-election funds..

Time for voters to wisen up and vote these fuckers out of office... .. To prove otherwise, they need to make them all offer HO 'without hurricane wind' or they can't sell anything anywhere in Florida - period..

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There are NO white people at all in the Bible... take all the time you need with that...
Please stop feeding the trolls - they will go away if you do...

Edited: 01/25/2022 at 01:01 PM by surfsail

Going to get worse under this numbskull. Two things are going on here, progs. You prog buddies in blue sates are making life so miserable for everyone, that normal people are fleeing to Florida. That drives up the cost of homes and the materials to build homes. Then, you voted for a senile president who, not unexpectedly, blew up the economy and unleashed inflation. So, you are going to pay higher prices for everything, including home insurance. You brought it on yourselves. But due to your idiotic decisions, everyone is suffering. Dems and progs will pay the price come November.

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I :heart; Q

The worst production and transport delays were and are overseas and relate to sick workers not to any policy or media "narratives" here in the US. Couldn't get the Yamaha I wanted last year because of a chip factory in Malaysia. I'm sure it was the "prog panic" that repeatedly shut that place down.

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