A recent comment made by Florida’s top insurance chief has people questioning whether it’s time to phase out asphalt shingle roofs in our state. The comment immediately caught people’s attention because asphalt is not only the most affordable option for homeowners, but industry experts say it is also the most common roofing material used across the country.
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Wait Who's on the roof Mexicans 😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅😅
get what u pay 4 sounds good but the price is what makes the diff..one of anything homeowners face ok 4 sure..
What happened to flat tarred concrete roofs that seam to last forever. What do we need pointy cheep wood roofs with shingles, in Florida where we don't even get heavy snow. The northerners wanted the houses to look like the north apparently and made a bunch of cheep junk. But i am also afraid that the insurance companies are trying to use this as yet another reason to remove coverages.
Idiot
I love seeing people build sand castles and think it will last a lifetime, nature is eager to take you beachfront home back to the sea. Florida is overflowing with idiots. Sure insurance companies will be happy to insure your dream home, but for a price of course. Florida insurance market will only skyrocket higher and higher. It used to be a retirement haven. 2/3 of the homes/condos are 30 years or older. Floridians are a special breed of cavemen who don't believe in science or facts. So every year you see more and more disasters impact more and more people. It's very hard to feel sympathetic for someone who keeps burning their hands on the hot stove and cry that they keep getting burned. Try to learn from your mistakes and stop repeating again and again. Don't worry your in the same mess as California.
Everything has changed drastically since COVID. Before COVID a new roof was under $10,000, now close to $20,000 for basic asphalt these days. Maybe there’s more competition and cheaper labor in Florida but in mid west it’s super high
Old time roofs in Florida were flat, tar paper. It worked. Shingles work.
Why not just put a couple hundred pounds of kindling on the roof. California long ago outlawed cedar shake roofs for the same reason.
My neighbor got canceled because his screws on his metal roof were too far apart…..installed as per manufacturers instructions!
I hate the look of metal roofs because they make a house look cheap. Asphalt shingles, when in good shape, make the house look much more like a house and not a commercial business. If everyone gets a metal roof, insurance will not go down even a little because the cost of replacing a metal roof is two to three times an asphalt roof and the insurance companies will factor this extra cost into the premium.
Lies…. First windows now roof….smh what’s next…prices still going to go up
These insurance companies are out of their mind. I don’t know why they act like your roof expires like it’s milk in the fridge.
So the answer to high insurance is paying 2x-3x for a roof. Genius! 😂
Insurance companies are a bunch of scheming bastards!
I still have 3 tab shingles on my house since 1969, and I live in south FL 🙃
The main thing that everyone seems to be missing, is that the insurance industry is under rating manufactures warranty of their products. I had 20 yrs rated shingles and at 10 yrs the insurance told me to replace them. Who the hell said this is okay. If it isn't leaking has no issues why are we forced replace it. I've seen brand new roofs blown off during a hurricane, due to being new and not fully bonded by the heat off yrs of age.
My asphalt roof in Fl was replaced at 26 years under $7000 although inspector after a hurricane agreed there was immediate damage but I wanted it replaced before I retired.
The asphalt roofs should not be used in Florida. Also it’s not affordable. Is obscene amount of money to replace asphalt roof.
Florida is a textbook example of how big businesses capture the government agencies that regulate them.
Florida has never said no to any demands by insurance companies.
Everything they want, they get.
Insurance companies saynoh Floridians take us to court too much.
Yeah, because you rotten bastards don't pay claims unless a Lawyer gets involved.
They spend hundreds of millions buying ads on TV with those cute characters like FLO, the Emu, the Lizzard, Jake from State whatever
to tell us how great they are.
The reality is insurance companies are a scam.
The reporters and most posters here know nothing about roofs.
Asphalt sucks. So does barrel tile and cement tile.
In florida, go with a standing seam 26 ga.
Shingles are great. They last for decades even in severe weather. The real problem is gypsy roofer’s soliciting work, they would replace a brand new roof if you let them. You don’t know because you can’t get on the roof yourself. Never trust a politician for construction advise. You wouldn’t want a fat butcher giving you a colon exam so why would you want an insurance person telling you your roof is bad. The other thing I have seen is a metal roof uplifts and rips the whole roof off like a giant wing or sail. The great thing about shingles is it comes off in smaller pieces. There are good and bad to every system.
Yeah and then the insurance companies need to subsidize the ludicrous difference in cost. I had a bid for a metal roof for a 2000 sf of $65000. Asphalt $14,000. That’s too expensive
Insurance companies are ripping people off.
We had our roof replaced in 2004 After Hurricane Charlie. That roof was asphalt shingles. They did an excellent job. It lasted until winter of 2023 before we experienced any issues with it and started looking into having it replaced. I think one big factor that is missing from this report is who exactly is installing these roofs, and do they really know what they are doing? Yes, the climate is changing, yes there are options out there that will last much longer. My grandmother had nearly 100-year-old slate shingles on her house in Pennsylvania before they needed any serious attention. So, a big part of this is craftsmanship, but of course it's coupled with changing climate too I suppose.
When I got a new roof a few years ago the insurance company, that at the time only insured houses with roofs less than 20 years old regardless of roof warranty, would not answer whether they would insure a house with a METAL roof 20+ years old. And metal was about 2x the cost of a nice asphalt roof. So I wasn't not going to gamble at spending 2x as much only to have to replace it again relatively soon, so asphalt it was.