12/15/2021
* 𝗡𝗲𝘄 𝗙𝗹𝗼𝗿𝗶𝗱𝗮 𝗿𝗼𝗼𝗳𝗶𝗻𝗴 𝗹𝗮𝘄𝘀 𝗺𝗮𝘆 𝗮𝗳𝗳𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝐡𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫𝐬 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗚𝗶𝘃𝗲 𝗛𝗙𝗥 𝗦𝘁𝗮𝗯𝗹𝗲 𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲𝘀 𝗧𝗲𝗮𝗺 𝗮 𝗖𝗮𝗹𝗹 𝘁𝗼 𝗺𝗮𝗸𝗲 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂 𝗮𝗿𝗲 𝗻𝗼𝘁 𝗹𝗼𝘀𝗶𝗻𝗴 𝗼𝘂𝘁. 𝗙𝗥𝗘𝗘 𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗜𝗻𝘀𝗽𝗲𝗰𝘁𝗶𝗼𝗻 𝗧𝗮𝗸𝗲 𝗔𝗰𝘁𝗶𝗼𝗻 𝗕𝗲𝗳𝗼𝗿𝗲 𝗶𝘁’𝘀 𝘁𝗼𝗼 𝗟𝗮𝘁𝗲…
𝓣𝓱𝓮 𝓝𝓮𝔀 𝓕𝓵𝓸𝓻𝓲𝓭𝓪 𝓘𝓷𝓼𝓾𝓻𝓪𝓷𝓬𝓮 𝓛𝓪𝔀 𝓪𝓷𝓭 𝓱𝓸𝔀 𝓲𝓽 𝓶𝓪𝔂 𝓪𝓯𝓯𝓮𝓬𝓽 𝔂𝓸𝓾!
Florida is one of the few states with extensive roofing regulations, largely due to hurricanes and strong storms.
Now, the laws have changed for how you can get your roof repaired or replaced. A new Florida law took effect July 1, changing how roofers and insurance companies handle claims and how homeowners can make claims. Cutting down on roofing claim fraud is the focal point.
The main changes homeowners and business owners need to know:
•Property insurance claims, supplemental claims and reopened claims must be filed within two years.
•Property insurers must provide full-replacement coverage for roofs under 10 years old.
•For roofs older than 10 years, property insurers can now use a “roof surface reimbursement schedule” to sell policies, essentially offering reduced coverage based on roof age and type and adjust claims to actual cash value (This does not apply for a total loss caused by a “covered peril”).
•Property insurers can offer homeowners the option of purchasing a state value limit for roof coverage.
•Property owners must give 60-day detailed notice to the insurance company before filing a lawsuit.
•Attorneys who file lawsuits on the behalf of contractors are now limited in how fees are awarded in insurance litigation.
•Contractors and public adjusters can no longer offer incentives to property owners, nor can they accept any incentives for referrals.
•Roofers are no longer allowed to solicit door-to-door, which for some roofing companies is critical to their marketing plan. At Homeowners First Choice This will not affect us, we still rely on business the old fashioned way… DOING GOOD, HONEST, RELIABLE, WORK (Amazing, When you do a good job ppl tend to tell other ppl)
“Supporters maintain the purpose of the new law is to stop the escalating insurance rates homeowners face due to the increased number of lawsuits that have led to increased insurance premiums and the rising construction costs, while opponents argue the changes don’t guarantee rate drops and will hurt homeowners in the long run,” Ms. Smith stated in an email.
Aside from no soliciting and not offering incentives, Central Florida roofers and contractors are minimally affected. For Homeowners first Choice, The only changes we made was adding a Stable Structures Team to handle homeowners that worry worried or unsure about the shape of their roof, this gives us an opportunity to help are old clients, and make sure the community doesn’t have to pay a fee to get an inspection done or ger scammed by fly by night roofers. As for us though the new law doesn’t change anything we do not believe in those practices anyway. Say’s Marcus-Owner Homeowners first Choice
