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I believe it has something to do with a law past a couple of years ago that they cannot deny based on roof age if less than 15 years so now they are denying eve

I believe it has something to do with a law past a couple of years ago that they cannot deny based on roof age if less than 15 years so now they are denying everything over 15 years. There is something related to the sticky membrane they put down first now days that helps with hurricane damage and there was also a significant amount of people getting insurance to pay for new roofs after even minor storm damage that occurred due to the way the law was or is structured, roofer where going around finding anyone with minor damage and getting new roofs put on filing claims.

GenerWork 3y ago
Florida had a huge problem where unscrupulous lawyers and roofers would go around to homeowners and say "We can get you a new roof for free!". Homeowners would sign over their negotiating rights to the lawyer/roofer, they'd sue insurance saying that a roof was needed, and so the homeowner would get a new roof and the lawyer/roofer would get a nice profit. This is very costly to insurance, and I think last year the legislature passed a law forbidding this method.
- Kon-Peki 3y ago
  That happens everywhere though. We had some tornadoes go through a few weeks ago. My house had some minor hail and 50-60 mph winds. No damage. Yet plenty of letters in the mail offering to handle getting me a new roof. The difference is that Florida used to make it really easy to force the insurance company to pay even when nothing was wrong.