What to Do If You Get an Insurance Non-renewal Notice

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Florida ranks as number one for the state that has the most hurricanes. It has been hit by more than twice as many hurricanes as any other state. With the Atlantic Ocean to its east and the Gulf of Mexico to its west, it is susceptible to storms on either side of the state. These storms can bring catastrophic damage, so it is not surprising that insurance companies try to find ways to limit their losses. In recent years, many insurance companies in Florida issued non-renewal notices to homeowners based upon the age of their roof, regardless of whether they had any previous claims. So, what do you do if you get a homeowner’s insurance non-renewal notice?

What Is the New Insurance Roofing Law in Florida?

In May 2022, Florida legislation passed Senate Bill 2D, which outlines new ways that insurance companies handle policies in regards to roofs. This law aims to help homeowners by prohibiting insurance companies from denying coverage based solely on the age of a roof if the roof is less than 15 years old, or if the roof is determined to have at least 5 years of useful life remaining. It also requires insurance companies to provide policyholders with a reasonable explanation if they deny or partially deny a claim. This is good news for homeowners.

The new law also aims to ease the financial impact on insurers that have suffered significant losses as a result of unnecessary roof replacements by unscrupulous contractors following hurricane season. The law may now allow insurance companies to repair significant portions of your hurricane-damaged roof instead of replacing it, which is more cost effective for the company. As a result, many insurance companies will strictly adhere to this and only allow piecemeal patching of roof damage. If repaired as such however, your roof may not be repaired according to the manufacturers’ specifications. This may subsequently leave your roof susceptible to premature wear and tear and future leaks.

What to Do If You Get an Insurance Non-renewal Notice

If you get a non-renewal notice from your homeowner’s insurance company, then contact Kris Konstruction for a free, no-obligation roof inspection. We provide you with a comprehensive damage assessment report, including digital photographs, that you can give to your insurance company to document the condition of your roof. We are licensed and insured with over 30 years of experience in the roofing industry, and we have an A+ BBB business rating.

If you are required to update your roof in order to obtain or maintain homeowner’s insurance, we have can help. We provide affordable, professional, and reliable roofing services, and offer financing options to help you get a durable new roof to help withstand future storms. We also offer a LIFETIME Labor Warranty on all projects for as long as you own your home.

Do not accept a low offer or denial. We have a team of Professionals to assist getting you what you deserve! Call 954-231-ROOF (7663) to speak with one of our roofing specialists!