Quote from @Jim G.:
The SFH is located in Orlando, FL which is normally not a place to hit hurricane often. The SFH was built n 2005 that means the roof is 17 years old. When the hurricane Ian came, though it reduced the force when it reached Orlando, it still blew away a few shingles that estimated repair cost around $1k.
Under the advice of PM, I claimed the insurance. The insurance gave term of replacement. Since it only covers the cash value and if add up the deductible, I only got total $2700. My SFH is about 1800sf single floor. $2700 obvious is way short to cover the replace of the roof. So I would consider to repair.
My question: did I violate the term of this claim if I do the "repair" not "replace"? In the end, it is my money. What the insurance can do to me? Would the same insurance refuse to renew next time if I do "repair"? I've talked to the adjuster who was handling my claim. She seams don't care whether I do "repair" or "replacement". However, when I called the insurance agent he said I need to go with "replacement". Otherwise the insurance company won't renew. Would I have trouble to find another insurance if this one refuse to renew? Frankly, I only paid the premium w/o making claim in past 10 plus year on this house.
Hello Jim! I went through a very similar circumstance. I also live in Orlando FL and have investment properties here. I had storm damage (a couple shingles were blown off) on one of my properties. I made a claim with my insurance company and they said they would only replace the missing shingles, but the cost to do so wouldn't reach my deductible. So I was basically told to pay for it on my own. I hired an attorney to argue the insurance company. We were able to get the insurance company to pay for a full replacement and my attorney fees. I would highly recommend going this route. Insurance companies will tell you to only fix the missing shingles to try and get out of giving you a new roof. I now have a new roof and have switched to a new insurance company that offers me a better premium.
The attorney I used was Hogan Law 5840 S. Semoran Blvd., Orlando, FL 32822
Mary Margaret Bryant - EXP Realty - 321-320-1774
