Switch to Landlord Insurance policy... New Roof required??

[Doug Spence]

Hi All! I recently moved out of my first home and got some renters in the home. I switched my policy from homeowner to a landlord policy, and the insurance agent told me the company would be sending out someone to visually inspect the home. The inspector dude says it needs a new roof, which in the Pensacola area costs around 8k for a house my size. 

Has anyone run into this issue? I asked the insurance agent to shop around for another policy in hopes that another company won't do the inspection at all or will just require some inexpensive repairs. I have the cash for a new roof but would rather not pay the expense. 

Is it worth it to shop around or should I just fork over the cash?

[David S.]

@Douglas Spence Yes and many other inspection items such as cracked window pane, paint the outside, changing a perfectly fine toilet supply line, changing a perfectly fine p-trap, trimming trees, etc. All of these items needed to be fixed in 2 or 3 weeks or the policies would be canceled. It is fairly standard that you have an insurance inspection for new property insurance. In addition, you may have one after a year or more of the policy being established. Some carriers may allow you a delay of 3 months or so while you renovate. What I have an issue with is the tight timelines. When I got the roof rejection, I had 2 weeks to get it done. When I had the supply line, I only had 2 or 3 days. I had sent my plumber to change out the p-trap, they said nothing about the supply line. When I sent in the picture of the new p-trap, they said by the way you have 2 days to change out out the supply line. Apparently the painters left some paint on it. Since my plumber was booked, I did it myself. It just seems like these inspections are entirely subjective and definitely come up with some BS. I don't like a 3rd party telling me how to run my business, more specifically, telling me to repair things that don't need to be repaired. Therefore, if not absolutely necessary, I do not change existing policies, and if I do decide to do so, I do only a few at a time. I made the mistake of doing several at one time and just got swamped with these BS inspections.